milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05/13/2016 about Credit reporting () with Experian Information Solutions Inc. (MA).
Issue: Credit monitoring or identity protection
Sub-issue: Billing dispute

Complaint: On XXXX/XXXX/2016 I used XXXX, which ultimately directed me to the Experian website to obtain my XXXX bureau credit report. I ultiamtely paid {$39.00} for this, despite that it is freecreditreport.com and implies a fee credit report which does seem deceptive to me the problem is not so much the {$39.00}, I agreed to that cost, it is that on XXXX/XXXX/2016 and XXXX/XXXX/XXXX I was charged {$21.00} without my authorization, and I need that refunded. 
The first step I took was to cancel any recurring billing, it is always my habit to do this to avoid this type of situation. Further it is a bit of an outrage for a credit reporting agency to engage in this kind of behavior, we expect it from the local gym who " forgot '' to cancel your recurring billing, but not from an organization like Experian we are supposed to be able to trust. 
The agent I spoke with today XXXX/XXXX/2016 at about XXXX XXXX was named XXXX and her employee ID is # XXXX, she was as helpful and understanding as possible but indicated her supervisor would only authorize XXXX refund of {$21.00} not both charges. If these charges were valid, they would not reverse any of it, so it is clear to me they acknowledge I did in fact cancel the billing as I described, it is in essence them asking for me to pay for their mistake which is unfair. 
Further, when I called it was at first explained to me that the {$39.00} alone gave me access to my credit information for 180 days. Then during the call I got an email regarding downgrading which I did not request. Then later in the call the agent, XXXX informed me that I only had paid for 30 days of access. A lot of confusion really, it seems as though things were made up as they went along.

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 02/27/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: I have a student loan with Navient. I had some XXXX loans in XX/XX/2010 which Navient took over. I consolidated the loans to help with lower payments. Navient said that one loan was XXXX but it was a private loan. and I could not consolidate it. It is in the amount of {$19000.00}. plus. I offered a down payment of XXXX if they could make the payment at {$100.00} a month. 
They want XXXX down payment. I am supporting my Grandmother who has been ill and out of work. The house went into foreclosure and I had to help save our home. I am just starting a full time job but I need some time to get caught up. I ca n't take out another loan as I ca n't afford another payment. Navient is threatening garnishment of my wages which I ca n't afford. They have hard to deal with always. They did n't tell me the other loans had been paid off when they were and they have n't explained what this private loan ( which is a XXXX loan ) is and they have locked me out of any internet interaction with them..

Company response to consumer: Closed with explanation
Consumer complaint received 11/18/2015 about Credit card () with AMERICAN EXPRESS COMPANY (CA).
Issue: APR or interest rate

Complaint: I was two days late paying my American Express card bill. They charged me a late fee of {$27.00} plus interest of {$86.00}. That much I can accept. However, I paid the next statement on time, and they charged me an additional {$90.00}. They call this " trailing interest '' and say this is in their cardholder agreement. {$200.00} for being two days late seems excessive. I feel cheated, especially since my payment record has been otherwise perfect since 1999. My FICO score is more than XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 08/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
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 disputed the incorrect information on my credit file including the address and account in 2010 for XXXX that i does not belong to me now they not only am i constantly disputing i never grt more then its correct no documents to support their investigation and now dropped my credit score by 73 points while its in investigation this is cause great distress on my credit

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 04/25/2016 about Mortgage (VA mortgage) with Secure Lending Incorporated (FL).
Issue: Credit decision / Underwriting

Complaint: My number is currently being spoofed by Secure Lending Corporation. For several months, they have been calling people in XXXX County ( they only appear to call numbers with the XXXX area code ). I would get people calling me attempting to " return my call ''. When I tell them that I did not call, some would get upset with me. I did not know why this was happening and without a company to file a complaint against, I had little recourse. But finally they slipped up. 
They happened to call my wife while spoofing my number. With my phone next to me, there was a call coming in on wife 's phone and it was apparently me calling. When I answered, the lady said she was with Secure Lending and she wanted to talk to me about my mortgage. When I asked here why she is spoofing my number, she immediately ended the call. 

Ultimately, I would like to stop this practice. I hope someone will be able to stop them.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 11-03-2017 about Debt collection (Other debt) with CL HOLDINGS LLC (CA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: XXXX/XXXX/17 A female operator contacted me from XXXX XXXX claiming I owed a debt of {$690.00}. She asked for my social security number, which I would not give her. She then went on to explain about the debt and what company it was from. I told her I did n't have the funds at the moment and she went on about paying it off in the future. So when I told her I need to confer with my partner, she got belligerent and loud on the phone being disrespectful. Even though she said " with all due respect '', she was raising her voice with me about paying the debt and would not listen to what I had to say.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03-05-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with ALLY FINANCIAL INC. (FL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Due to the fact that I am a victim of identity theft, I contacted the XXXX  credit bureau in writing on or about XX/XX/XXXX and I asked XXXX to ask Ally Financial ( credit reporting company ) to promptly delete their unauthorized inquiry ( date : XX/XX/XXXX ) from my credit file. Unfortunately, and as of this present date, XXXX  has recently reported that the unauthorized inquiry that is associated with Ally Financial is still currently reporting on my XXXX   credit file. ***RECORDS ARE AVAILABLE UPON REQUEST. ***

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 08/25/2015 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (NY).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: I am contacting you in regards to my student loan with Navient. To start, let me briefly explain.I had previously made payment arrangement through consolidation back in XXXX 2015 and I assumed the payments were being made through direct payment via credit card. I had no idea that my loan was in potential default. I had no access to my gmail account and was notified by my employer to contact Navient immediately. I did just that and was advised that I need to full pay my total balance due no later than XXXX/XXXX/15 which is over $ 13k.I am in not situation where I can full pay this loan and was hoping to set up another payment arrangement. I was told they will not work with me unless I am full paying the balance due and further collection action will be taken on or after XXXX/XXXX/15. I would really like to set up another payment arrangement if you can help with this matter it would be greatly appreciated. 

Thank you for your consideration. 
XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 12/22/2015 about Debt collection (I do not know) with Second Round Limited Partnership (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: This company has failed to provide me with validation of an account I had disputed by mail correspondence sent to them last month. 
This is a debt I believe to be frivolous and the company 's failure to respond with validation proves that this is indeed a frivolous account. 
Additionally this company is reporting the account on my credit report as a past due account from last month and making it look as though this account is a recent account. This constitutes illegal reporting of the account.

Company response to consumer: Closed
Consumer complaint received 09-03-2015 about Debt collection (Credit card) with Resurgent Capital Services L.P. (WI).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I am being sued by a debt collector ( LVNV Funding , LLC ). LVNV Funding claims to have purchased a credit card debt in my name from XXXX Bank, who is listed as the " original creditor ''. Two months after my request for discovery, I received documents with my name and address indicating that I had a XXXX Bank XXXX credit card used from XXXX to XXXX, and that I had applied for this card " on or about '' XXXX XXXX, XXXX. The problem ; I have never had a XXXX XXXX credit card, or any other XXXX credit card. I then asked the attorney for the plaintiff to provide the application. The response was that sometimes there is no application because requests are done online. I can not believe that XXXX Bank would discard the information I would have needed to provide in order to obtain credit from them, even if done online without an actual signature ( unlikely in my case ). It should be a simple matter for the plaintiff 's attorney to provide the original application. What is the CFPB stance on something like this? How can I prove the debt is not mine when the plaintiff has documents that indicate otherwise?

Company response to consumer: Closed with explanation
Consumer complaint received 07-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (OH).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: There are XXXX liens on my XXXX credit report that do not belong to me. I have asked for verification from XXXX and they failed to do so. I contacted the courts they do not report to 3rd party agencies nor do they give out any information from the courts on the phone. I sent a method of verification to all the credit reporting agencies and got no response and its been over 30 days. These do not belong to me and I want them removed immediately. XXXX is not the method of verification. I called the courts and they did not give no one information. Remove immediately! I will start legal action if needed.

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 07/22/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with OCWEN LOAN SERVICING LLC (IL).
Issue: Loan modification,collection,foreclosure

Complaint: My wife XXXX children and I live at this address for some XXXX years, all was ok until about XX/XX/XXXX when both my wife and mother got sick, mom dead my wife in ICU, XX/XX/XXXX I lost my job, I did let GMAC know all what was going on with us before this XX/XX/XXXX when they hope to give me a XXXX absence, we ask for a modification many times I am told no, ask for a hamp/mod the answer is that the lender said no, My and I are both working more than XXXX months now and we can pay a reasonable mortgage, even though the value is very much lower. The loan # XXXX ( Hard ship was Death, sick, and job Lost XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 10-11-2017 about Debt collection (I do not know) with Northwood Asset Management Group (MI).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Repeatedly receiving robo calls from company I 've never done business with for debts I most definitely do not owe.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 11/23/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (NY).
Issue: Closing your account
Sub-issue: Company closed your account

Complaint: I got an email from capital one saying that I should use my credit card or else they would close it because it was not being used. So, I promptly went ahead and used the card when I went to fill up gas. I had not used the card in a bit as I had lost it while moving and never seen it since. I had also gone into a branch in the interim and they had promised me that they had sent out a card. 

I went to the grocery store today, and my card did not work! On the screen came up something that said DO NOT HONOUR. I was really embarrassed and felt like a criminal. 


Then I called in tonight ( XX/XX/XXXX ) andt he reo said my card d d not work because I had missed a payment which was of course not true. After being questioned over it, the rep admitted hat it probably had nothing to do with that and said the card was closed due to inactivity.

Company response to consumer: Closed with explanation
Consumer complaint received 06/20/2016 about Debt collection (I do not know) with PORTFOLIO RECOVERY ASSOCIATES INC (CA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I have asked Portfolio Recovery to validate a collection they are reporting on my credit reports from XXXX/XXXX/XXXX to XXXX/XXXX/XXXX and they have failed to provide anything that would support the fact that they are attempting to collect on a debt without an agreement or contract. Nor have they supplied anything other than a statement on one of the collections. I told them that I would be reporting them to you but they obviously do n't fear you because they failed to delete themselves or answer questions about the debt ( s ) that they are using to damage me financially. Its damaging my credit and it is important to me.

Company response to consumer: Closed with explanation
Consumer complaint received 01/13/2017 about Credit reporting () with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: This is the 3rd complaint that I have made to you against Experian and now I 'm getting really upset because no one is helping me. These XXXX accounts listed on my credit file are the result of identity theft and my entire identity was stolen to the point that I had to go to a federal location to clear my name! I called and asked why these XXXX accounts were not removed and was told that it is because they did not receive the official police report and I have sent that to them 3 times now to no avail. I need for these XXXX accounts to be removed immediately. 
In XXXX V XXXX XXXX, Congress states that the burden is on the credit bureaus and creditors to prove the accuracy of the accounts and not on me and yet I 'm receiving letter after letter from Experian stating that these have been verified and that they will not dispute this again. Where 's the signed contract with MY signature? Where 's the proof that shows which IP address was used to apply for this account? I know for a fact that it was n't mine! I did not open this account, apply for it, authorize it or have any knowledge of it and it must be removed immediately. The bureaus are required to report ACCURATE AND COMPLETE information and it takes over a year to prove that they are being willfully negligent? 
These are the accounts that I am disputing : These XXXX accounts are the result of identity theft and must be removed immediately pursuant to section 605B immediately and permanently cleared from my credit report : XXXX Account # XXXX XXXX XXXX Account # 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 10/16/2017 about Debt collection (I do not know) with SYNCHRONY FINANCIAL (MD).
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint: I believe my identity was stolen ... I received a call from father some law office XXXX XXXX XXXX XXXX XXXX stating about some charges ... then I was contacted today by them stating if I did n't respond ... they did n't hear back from me they would contact the county clerk office ... I called them the gave me Ge Money bank ..and said I made some payments on a luxury vehicle using a master card ... I do n't own a master card and nor have I owned a luxury vehicle ... I believe my identity may have been stolen

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 09/29/2016 about Debt collection (Medical) with GULF COAST COLLECTION BUREAU, INC. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I spoke with XXXX from their office regarding Acct # XXXX - {$230.00}. I paid the bill in full confirmation # XXXX on XXXX XXXX, 2016 and XXXX agreed to have the account status be updated immediately with an account deletion from my credit report. Account is still listed as open and unpaid on my credit profile. I have contacted them numerous times via calls and email and letters.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CITIBANK, N.A. (CO).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Shell/Citiban k CBNA    #  XXXX  Account closed by  Shell ,  Paid, Never Late, Perfect payment history Last paymen t  XX/XX/XXXX  Delete date for CRA was  XX/XX/XXXX .      Please delete from CRA record.

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 11/14/2016 about Consumer Loan (Title loan) with BTH Management (VA).
Issue: Charged fees or interest I didn't expect

Complaint: I went to check my credit report and notice that Plaza services has put something on my report. I do not know what this is. I have not receive anything from this company saying that I owe anything. They should have sent me a letter letting me know who the creditor is so that I could have taken actions before it went on my report. They gave me no notice to get this resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 12/21/2015 about Credit card () with JPMORGAN CHASE & CO. (NY).
Issue: Other

Complaint: Years ago, I got a credit card with my then fianc. In XXXX, we split up. I called Chase and asked what I had to do to be removed from the card. I was told that I had to fill out some paperwork and have the primary ( my ex ) sign that I can be removed. This was done and sent in. In XXXX, I got a job that did a credit check. They came back that I had a Chase card in collections. I never received anything from Chase via mail or by phone. So again I called Chase and asked them what I had to do. They told me to send in some more information, which I did. Again, I did not receive anything. Recently, I applied for pre-approval for a mortgage. I was told that it was on my credit report, in a charged-off status. I again called Chase. This time I got a women that kept telling me that I can not be removed and that it was against their policy to remove the secondary even if the primary gives permission. She got ever snotty with me when I told her that years ago ( XXXX ) I was told I could. She told me that they have my paperwork but it is against their policy. I asked for a manager and she told me that there was not XXXX there. I told her to make sure that the conversation in XXXX in reviewed and she said that it would not matter because it was against their policy. I want to be removed from this account like I was told I would be years ago. I never used the card. I never received anything stating that it was not getting paid. I never got a phone card or any mail.

Company response to consumer: Closed with explanation
Consumer complaint received 11/25/2016 about Credit card () with AMERICAN EXPRESS COMPANY (FL).
Issue: Rewards

Complaint: I upgrade my credit card with American Express and I was told my reward dollars would be transferred to my new card, I doubled checked before I cancelled my old card and was told that my rewards {$35.00} would move over to my new card so I cancelled the card.I waited two weeks to check on my rewards and was told they ca n't transfer the money, I lost the money.

Company response to consumer: Closed with monetary relief
Consumer complaint received 09/23/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Progressive Financial Services, Inc. (TX).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Progressive Finanical calls up to ten times a day or more. They call from several different numbers and states, including the XXXX XXXX. The calls start before XXXX and do not stop until after XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/31/2016 about Consumer Loan (Installment loan) with SANTANDER CONSUMER USA HOLDINGS INC. (IN).
Issue: Managing the loan or lease

Complaint: This complaint is about santander consumer usa i debated the terms of agreement and won the debate, however they reported it twice on my credit they claim they only reported it once however the XXXX still show on my report. They say that its not on my report and can not and will not do anymore.

Company response to consumer: Closed with explanation