milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02/16/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (PA).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: I started school in 2007. I never took the XXXX exam like i was promised. But I graduated by XXXX in 2007. I was immediately told we can defer after graduating so I can find work in my field. The school did n't help me after that. I was on my own. I was kicked out of my home. Im still in deferment. I got a house to rent and was kicked out after my year. All my kids things were taken. I had to move in with friends again trying to save money. I got XXXX for the XXXX time. I put money down for a place and was scammed out of that money. Again im moving with friends with XXXX kids. I find out my son has XXXX and he needs special care. My oldest has been in and out of doctors trying to see whats wrong with her. Im a single mother of XXXX. I can not afford to pay my loans and pay for my apartment and bills. My kids come first. I miss a lot of days of work to take them to there appointments or my sons therapy appointments. He so far has XXXX therapists. Im XXXX and i need help. I wanted to buy a home so my sons therapists can come when i get out of work so they have a better place to see him instead of in school or a place they can grow but these student loans keep dragging me down. They have dragged my credit score to the dirt. I have never paid them a dime. I am always constantly asking for help but all i get are you have to apply for a deferment. I need help.

Company response to consumer: Closed with explanation
Consumer complaint received 09-02-2016 about Bank account or service (Cashing a check without an account) with U.S. BANCORP (NV).
Issue: Making/receiving payments, sending money

Complaint: I went to US Bank, XXXX Branch to cash a check that was drawn on that bank. The teller wrote my personal information on the back of the check as identification. I told her that she could not do this as the person who has the checking account will have my driver 's license number and could commit fraud with that information. I was told by the teller that this is the bank 's procedure to cash checks. I then have gone to XXXX other banks in town and they do not put personal information on the check being cashed.

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 01-05-2017 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: XXXX, XXXX DOB XX/XX/XXXX SS XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX To Whom it May Concern : XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX Equifax XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX I recently pulled a copy of my credit report and noticed the following information are in error : Inquires The FCRA states that the only permissible purpose for pulling someone 's credit report is a ) firm offer of credit b ) insurance c ) employment or d ) a court order. 
The following inquiries are related to none of the aforementioned permissible purposes. 

Creditor Name Inquiry Date Removed By* Type XXXX XX/XX/XXXX XX/XX/XXXX Auto Financing XXXX XX/XX/XXXX XX/XX/XXXX Auto Financing XXXX XXXX XX/XX/XXXX XX/XX/XXXX Automobile Dealers, New XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Automobile Dealers, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX All Banks XXXX XXXX XXXX, XXXX XXXX XXXX Miscellaneous Reptg. Agencies XXXX XX/XX/XXXX XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX XXXX XX/XX/XXXX XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX XXXX XX/XX/XXXX XX/XX/XXXX All Banks XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Credit Unions XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Auto Financing XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Miscellaneous XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Automobile Dealers, XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Credit Unions XXXX XXXX XX/XX/XXXX XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX XXXX XX/XX/XXXX XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX XX/XX/XXXX XX/XX/XXXX Jewelers XXXX XXXX XX/XX/XXXX XX/XX/XXXX All Banks XXXX XX/XX/XXXX XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX XX/XX/XXXX XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX XXXX XX/XX/XXXX XX/XX/XXXX Telephone Companies Please remove these inquiries from my credit report. I have enclosed a copy of my proof of identity. Sincerely, XXXX, XXXX DOB XX/XX/XXXX SS XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 07/21/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I am filing this complaint because TransUnion has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " ... promptly delete all information which can not be verified '' that I have disputed. Please resolve this manner as soon as possible. Thank you.

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 04-10-2015 about Credit card () with SYNCHRONY FINANCIAL (WV).
Issue: Late fee

Complaint: Synchrony bank took control of my Dickssportinggoods card from GE Money bank. I am separated from my wife and she set up payments to automatically come out of her bank account. For some reason after 6 months they quit taking the payments. Due to our situation there was a lack of communication and we did n't realize for several months that this had occured. After a while I came in contact with Synchrony bank to begin trying to rectify the situation. They have never been very helpful or courteous to me throughout this ordeal. They told me once that they could put me on a program to help me out. But I was going to have to suspend charging privileges. I did n't want to do that so I called Dicks to try and find a better solution. They referred me back to Synchrony. When I called them back to take their offer 15 minutes later, they informed me that I had no programs available to help me. So anyway, I have been paying the minimum payments to try and get the past due amount taken care of. My charging privileges have been suspended. That is all well and good, but what I 'm filing my complaint about is that last month, and maybe other months, I made my payment on time and they still charged me a late fee. When I called to make my XXXX payment I questioned them and they said that since I did n't pay the full amount that I would get charged late fees. I think that is absurd. They said I agreed to that when I opened the card. I agreed to nothing with them, my agreement was with GE Money Bank. I am asking to get a minimum of XXXX late fee refunded and a maximum of XXXX for the months they quit taking our payment without us knowing

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. (NY).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Ive been a XXXX  XXXX client for over 16 years opening my first credit card account with them in XX/XX/XXXX. In XXXX they reported a 30 day late payment on my credit report which severely damaged my credit score with false information. I had payed the minimum balance but the transaction was pending and not excepted until after the due date which is out of my control and not my fault, even XXXX  XXXX agreed and said that i was not at blame. Even so that they actually refunded me for the late fee i was charged because they said i was actually not late on the payment that it was an error. i attached files showing the late fee being charged in XXXX ( the month thats appearing as 30 days late on my credit report ) and proof of my payment to the company along with the refunded payment they sent me back for there mistake. I told them to also remove the late payment from my credit report but they refused and it has been on there since.

Company response to consumer: Closed with explanation
Consumer complaint received 09/14/2015 about Credit reporting () with Experian Information Solutions Inc. (MI).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I have filed several disputes with the all XXXX of the CRA 's and have also disputed directly with XXXX XXXX XXXX in SD in regards to XXXX credit lines with them. This account has been re-aged and XXXX XXXX reports that the information remains correct and verified. I do not appreciate this practice and view it as unethical and perhaps this is not the first time this has occurred with this company. All XXXX credit bureaus report a different age of these accounts.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10-04-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: On XXXX XXXX, I checked my credit report and the following inquiries were deleted. I logged in today and there are back and my score when down. 
XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX Rent 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 06-09-2016 about Credit card () with AMERICAN EXPRESS COMPANY (ID).
Issue: Closing/Cancelling account

Complaint: In XXXX, I entered a debit reduction agreement to pay off credit card charges and also requested an account closure of an American Express account. Part of the agreement with XXXX XXXX , XXXX was to close accounts and destroy the card, which was completed. XXXX, XXXX a written request was mailed to American Express to also send a return written notice confirming the closure of this account. The account has been successfully paid in full. Instead, a mailing stating a " statement balance will change with recent activity on your account '' was mailed with their notice to call. The card was destroyed and no intent to use on my behalf. American Express notes cancelling the account -yet will not send notice of CLOSURE. My request is simple. A closure notice, no further activity and yet American Express would prefer to upsell their product/credit card. Help?! Thanks so much!

Company response to consumer: Closed with explanation
Consumer complaint received 03/31/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Dynamic Recovery Solutions, LLC (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I recieved a letter stating that I oww {$340.00} to Dynamic Recovery Solutions because of an original creditor XXXX. I have never owned a sprint account. I checked my credit report and nothing is on there from a XXXX or any other negitivie items. I never gave out my information or had this so called account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/29/2017 about Debt collection (Federal student loan debt) with Navient Solutions, LLC. (AZ).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint: XXXX XXXX XXXX XXXX XXXX did not respond to everything I asked of them with the CFPB. I 've conducted some research on this company and in the state of Arizona this company is not Licensed, Bonded, and does not have a Certificate of Authority to collect in the state of Arizona. This is against the state and federal laws. <P/>According to the FDCPA : Under the Act, a debt collector communicating with persons other than the consumer for the purpose of acquiring location information about the consumer shall not : use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt ; 28 In addition, This company according to my credit report is trying to collect on a debt from 1999. Which is way past the statue of limitations.

Company response to consumer: Closed with explanation
Consumer complaint received 07/14/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: Transunion has illegally refused to investigate the false information on my credit report. I have previously asked them to investigate the false information from XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. I have told them those accounts are reporting false information on my credit report however they have refused to investigate which is a flagrant violation of the Fair Credit Reporting Act. Transunion is illegally refusing to investigate the false information on my credit report which is impacting me greatly.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/30/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NV).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: My name is XXXX XXXX  and I had started the process of disputing a few things that were listed in accurately on my credit report. I discontinued disputing believe that the report was accurate once they investigated certain items. A letter was sent to all three companies letting them know that I no longer disputed the accounts in question. I received a copy of my credit report and the dispute verbiage was still reporting on one of the accounts. I contacted them and told them I did not dispute the account and again to remove the verbiage. I have been fighting this since XX/XX/XXXXand the statement that the account is being disputed is still listed. It appears it's listed on one of the XXXX XXXX XXXX accounts and it shouldn't be.

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 11-09-2017 about Debt collection (Other debt) with ENCORE CAPITAL GROUP INC. (VA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: For the last several years XXXX, XXXX XXXX XXXX, XXXX. have been summoning me to court for a debt I personally did not owe to them. XXXX XXXX purchase an outstanding debt that I owe to XXXX XXXX. When I tried contacting XXXX, they stated they no longer had any recollection of the debt and for me to check my credit report. I fell on financial hardship, lost my apartment and moved myself and my daughter in with my mother. The debt went for almost three years at which I begin receiving summons to court by XXXX XXXX. I have been to court twice and have been paying on the debt via garnishment. I was told in court by Midland Representative that XX/XX/2016 was the last month for payment and satifying my debt. I have already paid around {$600.00}. Midland than stop the collection, waited a few months and started the collection again requiring me to pay additional garnishment fee to my employer as well as additional bogus added collection fees and interest on the same debt. I will never satisfy this debt with the fraudlent collection tactics by Midland and Law firm whom did not show in court on my last court date. I gross a below average income a year between two jobs. I have had at least two free consults with lawyers suggesting bankruptcy, but bankruptcy will cost more than the debt claimed to owe. I feel that Midland is financially bullying and trying to embezzled money from me by tacking more taxes and interests over and over again on the same exact debt and already added interest fees for the last few of years. I have spoke to some one twice at that firm ( not sure if the firm is legit ) but they were not trying to help. Please help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/21/2015 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (CA).
Issue: Loan servicing, payments, escrow account

Complaint: We have been requesting a loan modification from Wells Fargo in reference to our consumer. He is XXXX year old man working as an attorney and need to find a solution for him to stay in there home. We have submitted all require documents to Wells Fargo.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/27/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (DC).
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: Chase refused to give me a credit after I disputed the transaction. The merchant refused to give me a credit even though they delivered a product to the wrong address. After the the merchant sent XXXX documentation CLEARLY SHOWING it was delivered to an address that was not the delivery address, Chase still refuses to give me a credit for the amount. I talked to XXXX, a disputes supervisor and he was unsystematic and completely unwilling to help me find a solution to the issue. They are clearly colluding with the merchant and not protecting the their customers art all.

Company response to consumer: Closed with monetary relief
Consumer complaint received 03/26/2016 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (IL).
Issue: Closing/Cancelling account

Complaint: I called Bank of America to cancel XXXX ( XXXX ) credit cards with XXXX balances and I was continuously transferred for 20+ minutes before someone actually canceled my cards. They try to transfer costumers over and over again in hopes that they hang up. I 'm 99 % sure that Bank of America might be the worst organization in the world.

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 04-05-2016 about Credit reporting () with EQUIFAX, INC. (WA).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: Equifax markets a 3-in-1 Credit Report product that only includes information that the credit reporting agencies are required to provide for free. I understand that the terms of the product do not state that credit scores will be provided, however it is clearly misleading to offer a paid product next to your free report that contains no additional value for the paying customer. 
I would like a refund.

Company response to consumer: Closed with explanation
Consumer complaint received 12/29/2015 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: I am having issues with the incompetency of the credit bureaus with my investigation and reinvestigation of my inaccurate information on my credit report. Not only have they failed to provide a proper investigation, but they have failed to provide the documentation to prove the method of verification and documentation used to " verify '' my accounts, as allowed to me under sections 1681 and 609 of the FCRA. Congressional opinion in many lawsuits, specifically XXXX vs. XXXX, states that the law is verify clear in that once I notify the bureaus that I have inaccurate information on my credit report, they must investigate the accounts AND they have to verify the information received by the data furnishers. Once I notify them that the results are still not correct, they are in a different place than before and MUST reinvestigate and go beyond the original source of information. The effect these negative inaccuracies are having on my credit far outweigh any cost associated with investigating these accounts, and Congress states that I am in the right when I state that there must be a reinvestigation. Sending me a letter stating that no reinvestigation will be taken unless I provide further information from data furnishers, courts, etc. and that I must resolve the issue with the creditors myself is a clear violation under the FCRA. Stating that their organization is not a mediator, will not provide any documentation used to verify said documents or refusing to reinvestigate are further violations, as they bear a GRAVE RESPONSIBILITY to ascertain that these accounts and all other information on my credit report is accurate. They have failed to do so.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: Retail installment contract is being incorrectly listed as a " secured home improvement loan '' and is showing as a lien on my property which is not true. This loan has been sold many times and somehow reported incorrectly. It is only a retail type loan. It is now causing me major discrepancies on my credit reporting. It has been fraudulently listed. Loan began in   XX/XX/XXXX  o riginally for {$3900.00}, I have all the original paperwork for it. It was relisted i n  XX/XX/XXXX  at {$1 200.00} as a charge off and it still showing up.

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 11/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: Several letters have been sent to XXXX XXXX ( XXXX ) asking them to verify the inquiry that was placed on my credit back on XX/XX/16. I have provided them letters with my Name, Address, SS #, along with the date.. 
XXXX XXXX ( XXXX ) is using the stall tacit and sending letters back to me asking for my Name, Address, SS # along with the dates. I have asked several times for them to provide me documentation supporting this is to be reported under my credit file. XXXX XXXX response is they are not able to locate or find this information. 
They Continue to send me letters asking for all this Information but yet they 're continuing to ask me for it even though they have it on the letters that were sent to them.

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