milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01-12-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Inaccurate Information being reported on my credit file ... .incorrectly and was told in written letter by the company that they would have deleted and yet it has yet to be deleted.

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 01/20/2016 about Debt collection (Medical) with HOVG, LLC (TN).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: This is a medical bill addressed to my mother who passed away, XXXX XXXX, 2015. The bill has been turned over to Bay Area Credit Service. My mother lived XXXX and I live XXXX. Therefore, I am still just getting her mail delivered to me. ( The postal service is a whole other story! ) I do not even know what the bill is for and they will not tell me. I asked to speak to a manager or supervisor. A, XXXX XXXX, came on the phone and pretty much just reiterated what the first lady said. At that point, I told them I did n't even want personal information anymore, I just wanted to know what their company policy was for handling a bill of a deceased person. Again, the same answer, " I 'm sorry I ca n't talk to you since you are not the person on this bill. '' They were rude and unfriendly! I explained how upsetting this whole matter was to have to repeat this situation over and over, but of course, all I go was the same 'robot ' answer. All over {$43.00} ... I mean XXXX really!?

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 08/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: I contacted Transunion on XXXX/XXXX/XXXX in regards to a disputed public record and XXXX other unverifed accounts on my credit report. Transunion failed to provide me verification of the above disputed items nor did they remove them from my credit report. When I called, I was told that they did not have a disputed from me on the date in question. The next time i called i was told that the investigation was incomplete. As of today i still have not received verification, method of verification, a notice of failure to verify or an deletion of this incorrect information which is a violation of the FCRA.

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 02-05-2016 about Credit card () with Continental Finance Company, LLC (FL).
Issue: Closing/Cancelling account

Complaint: Over a year ago, I had misplaced a credit card ( issued by Continental Finance ). I knew it was in my house somewhere and had not been stolen, but I could not find it. I called Continental Finance to replace the card, explaining there was no fraud, I just needed a new card. They said they would send one in the mail. It never came. I made no less that 5 calls to Continental Finance with the same request. Each time, I was told my card would be sent to me. I never received the card. Each time I called, I was told that there was some kind of security alert on my card, that was causing them to not send my card. I eventually gave up and paid off my card in order to close it. Once I paid the card off, I called to close the account. They apologzed for the previous problems, and told me they closed the account. This happened in the beginning of XXXX. XXXX XXXX I was billed for the {$18.00} account maintenence fee. I called to complain. They never could give me a straight answer, as to why my account was not closed. They have said they have closed my account again and refunded my charge, but I can not take them at their word, because each time I have called, they have claimed to resolve my issues, and have failed to do so each 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 02-05-2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (GA).
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint: In XXXX I completed my XXXX XXXX XXXX and in XXXX I completed my XXXX XXXX XXXX from XXXX University. In XXXX my husband and I were forced to file bankruptcy due to insurmountable amount of medical bills. 

Since this time, I have been diagnosed with an XXXX which has also caused several other sometimes XXXX conditions. Since XXXX I have had eight XXXX. 

It is very much a hardship on me to maintain daily living expenses, care for a family which consist of my husband and our XXXX year old son, pay medical bills and pay over XXXX XXXX XXXX ( {$400.00} ) a month in student loans. 

Navient has called my father, ( co-signer for private loan ) and I several times with what seems like no understanding, demanding a payment be made. In XXXX XXXX my Grandmother was in the XXXX in XXXX, Georgia. My father received a call from a Navient representative, he explained the situation with my Grandmother and they were persistent in wanting more details about which form of payment he would be using and when a payment could be made. My Father hung up the phone due to the attitude and demanding payment information. My Grandmother passed away the next day due to a XXXX. 

Please consider this very challenging hardship. 

Thank-you for your time and consideration. Should you have any further questions or need any additional information, please do not hesitate to contact me.

Company response to consumer: Closed with explanation
Consumer complaint received 10/22/2017 about Debt collection (I do not know) with Hunter Warfield, Inc. (MD).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: We have repeatedly received robocalls from our home from an outfit called Hunter Warfield, a debt collection company out of XXXX Florida. The calls, left on our home telephone answering machine, state that they are seeking a debt from someone named XXXX XXXX, and if we are not XXXX XXXX to hang up. If we do n't hang up ( and because the message is left on voice mail, we can not ), we are treated to more information about how we must contact this company to pay a debt. We are not XXXX XXXX, and we have not ever heard of XXXX XXXX. These calls are made to our home repeatedly, dozens of time. On Sunday mornings, at dinner time, anytime. They never stop This type of activity can not be legal. It is harassment. 

The company is Hunter Warfield XXXX XXXX XXXX XXXX XXXX, Florida XXXX. 

The XXXX of the company is XXXX XXXX, and the XXXX XXXX XXXX is XXXX XXXX Thank you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX

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 11-10-2016 about Consumer Loan (Installment loan) with GreenSky Trade Credit, LLC (TX).
Issue: Managing the loan or lease

Complaint: 1. Merchant, XXXX XXXX XXXX XXXX, drew a final payment for a construction project from my credit account without my authorization and in violation of the terms of our contract. They bypassed me and had my wife sign an incomplete authorization form without my knowledge ; 2. Lending broker, Greensky XXXX, who insists they are not the actual lender, did not request or verify my authorization before disbursing funds to the merchant even though they specify that XXXX rules and terms apply ; 3. Third party lender, XXXX, has this loan listed on my credit bureau reports yet they do not acknowledge any existing account open in my name or any customer relationship between us ; I am working with an attorney to pursue the matter in civil court.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MO).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: Under the new law effective XXXX XXXX, 2017 any public record data must include name and address as well as Social Security Number or Date of Birth in order for it to appear in your credit file. The Credit Bureau has not updated the information and per the new law true Bankruptcy listed does not include this information and should be deleted 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 10/13/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Payment was received by company in a form of cashier check and they lost the payment. They requested me to send additional payment even after checks were cashed. i provided proof to them and they still did not take payment off my balance. I ended up having to double pay and then payments later they credited my account. I need them to remove my late payments

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03-04-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: For months now I have been trying to get this XXXX account on my Experian credit report to report correctly. However XXXX and/or Experian keeps updating the way it reports ( the Date of Status ) and this has dropped my credit score on Experian from XXXX to XXXX ( almost 100 points ). Please see attached uploads. Please see Experian report dated XX/XX/XXXX with Date of Status on XXXX as XX/XX/XXXX. Please also Experian report dated XX/XX/XXXX with Date of Status on XXXX as XX/XX/XXXX. Further, the Recent Balance on each report is {$11000.00} on XX/XX/XXXX and {$5400.00} on XX/XX/XXXX. This is a charged off account and Experian/XXXX are illegally updating this date ( and balances ) and causing my credit to be damaged, and this is keeping me from qualifying for home mortgage for my family. Please also see all the other attributes to this XXXX account that are reported incorrectly. Basically each time I send a letter asking them to investigate, they update the information incorrectly. Please also see the screen shot I uploaded of my XXXX XXXX credit monitoring report dated XX/XX/XXXX which shows the inconsistent nature of the way this account is reported between each credit bureau.

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 07/19/2017 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 belongs to someone else

Complaint: I submitted a dispute with court documentation about a collection agency on my report called XXXX XXXX XXXX over 30 days ago, and I have not received a response from all 3 credit bureau 's.

Company response to consumer: Closed with explanation
Consumer complaint received 03/23/2018 about Debt collection (Other debt) with LINEBARGER GOGGAN BLAIR & SAMPSON LLP (VA).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: A Demand letter came in the mail for {$160.00} on Tolls that coast {$2.00} each way through a tunnel. I Never received a bill so that i could pay the Toll, they sent it to a Lawfirm called Linebarger Goggan Blair & Sampson, LLP in TX. I called the Lawfirm, they told me if i never received my bills it isn't there problem and it doesn't matter I just have to pay the balance owed. There was no proof or bill of my car & it's license plate Number or picture isn't on demand. Only an Account number they gave me on their demand letter which never stated that my debt was going to Accumulate over {$100.00} in Over a month. Keep in mind that i received my bill at the beginning of XX/XX/XXXX and the bill was mailed out XX/XX/XXXX. So from the day the bill was mailed it was adding more to my bill that I was never made aware of until it was to late. As someone who is struggling to put food on the table and gas how do they ever expect some one to pay this. I would have rather paid the {$2.00}. This has been an ongoing problem for the XXXX XXXX XXXX in downtown XXXX, scamming people out of hundreds and thousands of dollars. XXXX XXXX is that i was never given proper notice of a small simple bill & now this is on my credit tarnishing it over a {$2.00} Toll.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06-07-2016 about Credit reporting () with Experian Information Solutions Inc. (LA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: XXXX sent a removal letter/code to XXXX and Experian on XXXX XXXX, 2016. Experian has not deleted this account from my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04-06-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I wrote Transunion on XXXX XXXX. I reviewed their investigation results and let them clearly know I did NOT dispute their findings ( letter attached ). I received a response from them date XXXX XXXX. They did not take anything I asked out of that dispute status. Because of this my mortgage person can not get me approved for a mortgage.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/21/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MD).
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 started a dispute with Experian stating that the contract was canceled with this company and there is no longer a contract due to the item being charged off and written off. The results were " item has been updated '' with no explanation to what was updated from 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 07-10-2017 about Debt collection (Medical debt) with Grant & Weber (CA).
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint: i called on X/XX/2017 @ XXXX and i called several times to speak to who ever was handleing my file, the representive transfer me to a male who answere the phone, my phone was turned all the way up so i told him i could not here him at all, he said you are the frist to tell me this, so then i think he turned it up because it became clear but he got smart after doing so, and told me that i had an attitude, and i need to call back and hung up in my face, i called then to take care of a debt that i owe a medical bill. i am a elderly woman trying to take of my debt and he was so rude. so i called back the same person reckonize my voice right away she transfered the called to voice mail, twice i tried so that is why i am writing this complaint.

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 06-10-2015 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (IN).
Issue: Deposits and withdrawals

Complaint: This is about Chase Bank. I wrote my roommate a check. We called to see about placing a stop on the check on XXXX/XXXX/2015 because I did not want it to make my account negative. The rep said there would be more fees accrued if the stop was placed on the check, and to have my roommate write a check to counteract it. We called XXXX seperate times before we ever deposited it, making sure it would n't be an issue. We were guaranteed it would go through since the roommate would have a positive balance in the account, but it would be overdrawn after it clears. He received a returned check fee, but the check went through on my end. My account was positive, the deposit was accepted. The rommate called the morning of XXXX/XXXX/15 and talked to a " specialist '' at Chase Bank. Told her that he received a returned check fee, but the check deposited in my account. She never, NOT ONCE, stated that the check was going to come back out of the account. Now they are telling us there is nothing we can do, it does n't matter that we were given wrong information that completely ruined my bank account. All they would do about the reps not giving us correct information is " file a complaint '' How many times do we need to contact a bank prior to depositing a check to make sure this is not going to happen? Is Chase not held liable for their actions and wrong information? Now I have a negative bank account that is going to take my entire paycheck to resolve and Chase will not give me ANY solution to the problem. My livelyhood is a stake. I have no idea how I am supposed to get to work with no funds to even pay for gas.

Company response to consumer: Closed with monetary relief
Consumer complaint received 05-09-2016 about Student loan (Federal student loan servicing) with AES/PHEAA (NE).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: Hello, I am contacting your company because I need help with high student loans that I am unable to pay. I was attending a private college to obtain a degree a certification. during the time I was there I spoke with other students who were obtaining the same degree and cert and we were all charged different amounts for our loans. I feel as though the school over charge and made a bunch of promises like getting a free lap top after graduation. When I attened the school I had addressed several problems some of them got fixed and majority of them did not. The price was way outrageous and I wanted to eventually withdraw due to personal medical issues at the time. But i feel as though I was forced to stay in the program being told i would be charged and would have to start all over again. I stayed and completed it. fast forward, XXXX of this year I saw that the school had closed its locations due to bankruptcy. I was shocked but not surprised. I started to submit a complaint back when i attended the school but I had no real info on how to do so. since the school has closed there is only XXXX school that would accept the credits but they do not have the degree of study that I want. I do not think its right that they just closed and did not inform current and former students. its like they left us holding the debt. and it is really hard for me to get a job in the field I have the degree in. please help this has caused so much stress and I almost wish I would have never attended this schoo.

Company response to consumer: Closed with explanation
Consumer complaint received 03/15/2017 about Credit reporting () with Alliance Data Card Services (GA).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: CCB/PPC XX/XX/2016XXXX. 

I recently received a copy of my XXXX credit report. The credit report showed a credit inquiry that I did not authorize. I have previously disputed this item and it was removed from my credit. I understand that you should n't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file because it is making it very difficult for me to acquire credit. 
I have sent a letter certified mail because I need a prompt response to this issue. Please be so kind as to forward me documentation that you have had the unauthorized inquiry removed. 
If you find that I am remiss, and you did have my authorization to inquire into my credit report, then please send me proof of this. 
Thanking you in advance.

Company response to consumer: Closed with explanation
Consumer complaint received 04/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (DE).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  IA  XXXX  this do not belong to me and there no contract or my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 06-04-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with REGIONS FINANCIAL CORPORATION (IL).
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint: I have tried numerous times to het ahold of regions bank to explain that my credit card was stolen bit they refused to help me in any way then i found out that they finally closed the account but with a very high balance. I want this all fixed.

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 02/26/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (ME).
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: In XX/XX/2018 XXXX XXXX sent me a XXXX, Cancellation of Debt for the amount of {$3600.00} - the outstanding past due balance on a XXXX Card in my name. SInce XXXX effectively canceled the debt by issuing the XXXX, they can not report a balance or past due amount on my credit report. I disputed this through Equifax, which XXXX verified the balance and past due amount, there by violating the FCRA as since the issuance of a XXXX cancels the debt, I do not own them any amount nor is any amount past due. 

This is willfully false reporting and I demand the trade line be deleted from my report. XXXX  is engaging in a clear violation of the FCRA and willfully reporting false information damaging my credit.

Company response to consumer: Closed with explanation