milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07/13/2017 about Student loan (Private student loan) with HEARTLAND PAYMENT SYSTEMS INC (NJ).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: I paid this account as apart of a settlement with my other student loans and they are still reporting a balance of {$1000.00} on my credit report. This is killing my credit and I ca n't seem to get them to resolve it.

Company response to consumer: Closed with explanation
Consumer complaint received 01-02-2018 about Vehicle loan or lease (Loan) with HYUNDAI CAPITAL AMERICA (PA).
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint: My car was repossessed on XX/XX/XXXX. I had been trying have the payments lowered but would always say you cant. Hyundai Motor Finance has not worked with me. At one point they lowered it by {$15.00}. Hyundai has called my father at work without permission, my fianc at work without permission, my father in law without permission, and my mother. Hyundai put my father 's job and fianc 's job in jeopardy. I have called and explained I had not been working and my parents are on social security and have been trying to help me as much as possible. I am currently working now and would like to figure out what can ve done to get my car back. I need it to get to work and my daughter 's carseat and stroller are in the car. Hyundai stated that {$3900.00} is due to get it back. I only owe {$4300.00}. Hyundai will call 15 times a day using 5 different numbers. Even after payments are made the calls continue, and when I call they say you need to go online and we cant stop the calls.

Company response to consumer: Closed with explanation
Consumer complaint received 08/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MO).
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: after disputing the following debts with Experian 4 times and XXXX and XXXX 3 times they have came back as saying verified but have shown no proof of how this debt was verified there are strict requirements how debt must be verified. The Fair Reporting Act ( FCRA ) requires the Credit Bureaus ( XXXX, Experian & XXXX ) to have PHYSICAL COPIES in THIER files of documentation to support each account being reported. NOT THE CREDITOR, THE BUREAU Under the FCRA, Credit Reporting Agencies ( Experian, XXXX & XXXX ) must provide a copy of the verifiable original creditor documentation if it is requested properly by the consumer since XXXX, XXXX & Experian can not provide proof of verification to me in the form of a physical contract document per written request to do so- the account is classified as " UNVERIFIED '' and under the FCRA- all UNVERIFIED accounts MUST BE DELETED. The FCRA reqires that all Credit Reporting Agencies or " CRA 's '' VERIFY ALL INFORMATION received from creditors BEFORE this information is added to my credit file. Proper verification According to case law the CRA/Bureau must have copies of the ORIGINAL SIGNED APPLICATION in THEIR FILES! FAIR CREDIT REPORTING ACT. by providing all of this information, there is no question that i am the one making the written request. i request that XXXX XXXX XXXX And XXXX XXXX XXXX  be removed from my credit reports.

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 05-05-2016 about Debt collection (I do not know) with ENCORE CAPITAL GROUP INC. (OH).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Midland Credit Management XXXX is the most terroristic harrassment agency I have ever dealt with in XXXX years. We are XXXX and aged and have never owed anyone anything except for our mortgage which has been paid off for over 20 years. This company began calling us in XXXX XXXX regarding a debt that is n't even ours. They ask for someone named XXXX XXXX. They now change it to XXXX XXXX. We filed a complaint with the XXXX XXXX which was a joke. Even MCM reps said " go right ahead and see what happens to you, we pay them under the table. '' Their legal counsel XXXX XXXX told the XXXX that they stopped calling on XXXX/XXXX/16 which is a total lie. We had received over XXXX calls before that and have received over XXXX since then. When I confront him he swears and threatens us. XXXX of their reps even having us killed by the XXXX. The person stated " We know where you live and it is close to XXXX where the largest XXXX XXXX and possible in America are located. '' This has been reported to our local law enforcement in case they do. We continue to receive calls even after confronting XXXX XXXX as recently as Monday XXXX/XXXX/16. He gives all kinds of total excuses. We are harassed, called names such as " XXXX '' from them. They hire XXXX in XXXX who say we will never be called again. Their reps are so XXXX, XXXX of them could not even multiply XXXX. They argued it was XXXX. XXXX XXXX just laughed about it.

Company response to consumer: Closed with explanation
Consumer complaint received 01-05-2016 about Debt collection (Non-federal student loan) with Navient Solutions, LLC. (CA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Navient continues to call my phone multiple times daily. Although I am behind on my payments I did contact the company in attempts to set up a payment plan and was told nothing is available to me. The calls have continued and when I asked that the calls end I was told they would continue until a payment plan was arranged. I expressed my frustration with the harassing calls. The company will not work with me on my past due amount but also will not cease the calls. I have XXXX private student loans through the company and have been making payments on XXXX of the XXXX loans because of my current financial situation I am unable to make both loan payments. After speaking to Navient multiple times I have exhausted my options. The phone calls come in at least twice daily.

Company response to consumer: Closed with explanation
Consumer complaint received 04/28/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with CCS Financial Services, Inc. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: The debt was from XXXX, XXXX which said that I owe {$870.00} to XXXX service at an address I never lived. I sent a letter to XXXX XXXX, XXXX. enclosing all the information that they asked for which included an XXXX bill, a copy of my social security card, my driver license and a police report. So for two years everything was fine. Then XX/XX/XXXX I started to get Collection notices from CCS USA CREDIT COLLECTION SERVICES. I called them and they were very rude and said that I owe this money and that the service was for address that I currently live at which is not true. The services was at a different address. I spoke to a man named XXXX who said he would call me back the next day of which he did not. I waited another month and called again and was told the same thing. To this date there has been no action done and it is still sitting on my credit report. It is the only negative entry on my credit report. I am XXXX years and I have never had a negative entry on my credit report.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 11/25/2015 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (NY).
Issue: Other

Complaint: The accounts XXXX and XXXX are in violation of the FCRA as they are knowingly inaccurate under 623 ( a ). Bank of America has not done a thorough investigation as to the validity of these accounts and they have already lost in court over XXXX of them. I have retained an attorney and will be commencing litigation with them over these accounts if a thorough investigation is not completed and documentation provided as to ownership and original contract information for both of these accounts. 

The Credit Reporting Agencies will not provide the information afforded in my rights under the FCRA 609 ( a ) ( 1 ) and now Bank of America is gaming the system to punish me for beating them in the courts.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/13/2017 about Credit card () with SYNCHRONY FINANCIAL (PA).
Issue: Credit line increase/decrease

Complaint: I requested a credit increase on my Lowes Business Account in the month of XXXX, 2017, online using Lowes Request Increase function on their website. The request was denied. I received a letter ( will upload as an attachment ) stating : Synchrony Bank has reviewed your request to increase the credit line on your business account with Lowe 's Business. Due to the following reasons ( s ) we are able to approve your request : Low payments to balance in the last 2 months on this account Low payments made in the last 3 months on this account. 
Low payments made in the last billing period on this account Recent delinquency on this account The letter does not state where they pulled any credit information. It does not state XXXX, etc. 
The letter merely states the reasons were based upon 'on this account ' referencing that they used by Lowe 's credit history in determining the denial of request of a credit increase. 
I called Synchrony Bank ( Lowe 's ) regarding the letter, stating to them that none of the 4 reasons were true. At no time did any of the 4 reasons listed in the letter were true, or factual. They stated that I should contact the credit bureaus and file a credit report request and dispute with the credit bureaus. I stated to them that the letter did not have who they used as a credit inquiry bureau source. They still stated I was to dispute the issued based upon : 'We came to our decision based upon information supply by the credit bureaus '. I called all XXXX credit bureaus and none of them have any requests for information from Lowes, or Synchrony bank within the last 3 months. 
The reasons for the credit increase denial are incorrect. 
I believe I was not treated fairly. 
I believe they ( Synchrony Bank ) aka Lowe 's used incorrect information on assessing my credit worthiness.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NY).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: It was released by Equifax on XX/XX/XXXX that 143 million people could be affected by a data breach in which cybercriminals stole information including names, Social Security numbers, birth dates, addresses, and the numbers of some driver 's licenses. 

Using their online checker, linked here : https : //www.equifaxsecurity2017.com/ I was told that my identity may have been compromised by this checker. I therefore have reason to believe, as reported by Equifax themselves, that Equifax mishandled my personal information including Name, Social Security #, Address, Birthdate, etc. resulting in a data breach in XX/XX/XXXX. 

I did not enroll in the free protection surface Equifax is offering in compensation because Equifax has included the non-arbitration clause contained in the terms of service consumers must sign off on upon enrolling. 

I am filing a complaint as Equifax has irresponsibly secured my information and put my livelihood at risk. Such a large breach in security is not only unprecedented, but also a glaring example of private industries ' cavalier attitudes towards consumer protections. Equifax is defrauding injured parties with hidden terms of service that waive their right to sue Equifax in what is clearly a situation of criminal negligence/fraudulent behavior as indicated by the three Equifax executives that dumped stock immediately prior to the data breach announcement.

Company response to consumer: Closed with explanation
Consumer complaint received 03-06-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with U.S. BANCORP (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: Dear Sir/Madam : I would like to request you to do an investigation against the XXXX   Company, XXXX. XXXX XXXX XXXX, TX, XXXX, XXXX, which has constantly reported my credit score inaccurately, and not paid any due attention to my requests. I had to lose my credit due to its improper and inaccurate reporting of my credit score to  XXXX XXXX on XXXX. For example, when I applied for a personal loan to the XXXX XXXX, my loan was denied citing the low credit score XXXX reported by the XXXX   Company, when my actual score was XXXX as reported by XXXX XXXX ( see the enclosed credit report of the XXXX XXXX ). Likewise, it reported the even lower score for the XXXX, XXXX XXXX, and others. The company has also failed to correct the inappropriate reporting when I filed a series of disputes against XXXX XXXX Company and XXXX XXXX, which have denied my requests for the disputes. For example, when I disputed with XXXX XXXX Company for the reported amount in XXXX ( XX/XX/XXXX ), they denied my dispute. However, the same company later acknowledged in XXXX XXXX XX/XX/XXXX XXXX that there were some undue fees charged to my account ( see the enclosed from XXXX XXXX Company ). 

Thank you, Sincelry, XXXX 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 09/21/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with The CMI Group, Inc. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Regarding a XXXX installation. XXXX installed internet and TV service under a30 day trial. The service did not function correctly repeatedly. Within the 30 day trial period, I told them to remove it. They did so but charged my account {$130.00} but never sent a bill that I received. They turned this over to Credit Management , LP. to collect. Credit Management would not accept the XXXX reference number ( XXXX/XXXX/2015 ) saying it was rectified. My XXXX score, I just learned last week, is now low XXXX 's down from over a consistent XXXX. I had called XXXX to rectify on : XXXX/XXXX/2015 XXXX # XXXX ( talked to XXXX in XXXX XXXX XXXX said she would fix it and someone would call back to confirm. They never did. 
XXXX/XXXX/2015 talked to XXXX Billing Dept?? Ticket # XXXX said I would receive a letter confirming the correction and XXXX fix on priority basis. As of XXXX/XXXX/2015 no letter was received. 
XXXX/XXXX/2015 I explained XXXX last time the issue but I am certain the gal on the phone was not understanding the issue. I requested to be contacted by a supervisor and let them know this is my LAST call to XXXX. I have no confidence I will hear from XXXX. 
I applied for a home mortgage last week to find my damaged credit score and now have to accept a higher rate 4.75 % due to this. This will cost me XXXX dollars. 
I request XXXX be fined and pay me damages of {$100000.00}. 
I have the notes from each call on file. I also want them to fix my XXXX score and I ask that Credit Management be fined and pay me damages for predatory practices.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/17/2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (OH).
Issue: Billing disputes

Complaint: After receiving faulty merchandise from a retailer ( XXXX " T.V. ) that does not work, filed a dispute with Capital One, my credit card company after numerous attempts to negotiate with the retailer. I have had XXXX conversations with Capital one regarding the dispute process and no XXXX have been the same. Capital One on XXXX XXXX credited my account back for the faulty product ( case # XXXX ) but when the retailer answered the dispute Capital One sent me a letter saying the charge ( {$620.00} ) would be placed back on my account because the T.V. transaction was a " face to face transaction '' according to the Capital One rep and therefore there was nothing they could do. By a face to face I assume they mean the retailer did not deliver the item but I was never made aware of nor was I offered a delivery service. When I brought this to the attention of the retailer his response was " they did n't have to tell me about the service ''.

Company response to consumer: Closed with explanation
Consumer complaint received 09/25/2015 about Debt collection (Medical) with Alliance Collection Agencies, Inc. (WI).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Alliance collection agency continuously contacts you multiple times per day from unavailable numbers. They also go so far as harassing you while at work even when a company does not allow for personal calls. I attempted to make a payment plan originally for medical expenses that I owed and they refused stating i had to at least pay half of what I owed ( approx {$1800.00} ) and even suggested that I take money out of my XXXX. I explained that I was a single parent with a child under XXXX years old and let them know what I could do for monthly payments. However, this was not good enough and they still tried to take me to court. This company harrasses people until they literally have nothing left financially and will do anything they can to ensure your family is left second to their demands.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (AL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I sent a request to Equifax asking for method of verification on a verified accounts and only received that the accounts was reported correctly. I also challanged the XXXX XXXX compliance. They have not provided me with documentation showing how they verified these accounts. Equifax needs to remember THAT as in XXXX v. XXXX XXXX XXXX, No. XXXX ( XXXX XXXX, XXXX ), you may be liable for your willful non-compliance. Equifax is taking away my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 08-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (OH).
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: this issue concerns all three reporting credit bureaus I firm believer that the credit bureaus share information not only about your credit history and behavior but also about your race. beginning back in XX/XX/XXXX I began to rebuild and repair my credit I have worked very hard at this and I have been able to break XXXX on my credit score. as soon as I get as high as XXXX or XXXX one of the three credit bureaus will place something on my credit report that drives my score back to the XXXX to XXXX range and 9 times out of 10 it is in accurate or being reported incorrectly example one of the three will take inserts from my bankruptcy filed in XX/XX/XXXX put on credit report XXXX just happen put XXXX XXXX on as charge off late 90 days + they did correct it after I contacted them. but this hurt my score but this the type of issues that I have to keep dealing with. I feel that this is very unfair treatment and design to keep your credit score from breaking that XXXX score as a small XXXX XXXX this practice greatly inhibits my ability to grow I can not obtain line of credit that I need to move forward. and I have lost out on opportunity 's that come my way I pray to god that can be fixed and this behavior by three reporting agency addressed and fixed.

Company response to consumer: Closed with explanation
Consumer complaint received 09-03-2015 about Mortgage (Conventional fixed mortgage) with JPMORGAN CHASE & CO. (TX).
Issue: Loan servicing, payments, escrow account

Complaint: We have had some medical and legal bills. We have now gotten 4 to 5 house payments behind. I told Chase we were able to pay 2 house payments and they told me via phone they will not accept them, They want all the payments and I do not have that. Also they demand the house payment directly on the first and my pay period is every two weeks on Friday and many time that is not on XX/XX/XXXX. 

I hope you can help meSincerelyXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 07/20/2016 about Credit reporting () with EQUIFAX, INC. (MO).
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint: I reported a public record inaccuracy to Equifax and XXXX via XXXX XXXX. This item is a judgement that has inaccurate information. XXXX removed this item from my credit report due to not being able to verify accuracy. Equifax marked this item as " satisfied '' which is still inaccurate and refuses to provide me any information as to how this was verified per the FCRA 611 ( 15 U.S.C. 1681I ) that states that this information must be given to me or verified. They refuse to address the inaccuracies with me and refuse to resolve the issue. This judgement has never been executed by the courts or by the creditor and the original creditor has not provided any of this information to Equifax. Equifax used a third party to gain this information and refuses to verify the validity and inaccuracies to this account.

Company response to consumer: Closed with explanation
Consumer complaint received 03/23/2016 about Debt collection (Medical) with Revenue Assistance Corporation dba Revenue Group (PA).
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint: The collection agent named XXXX XXXX at Revenue Group, stated to me word for word when I asked why she needed my employment, " You do n't need to worry about that, we will find your employment, trust me ''.

Company response to consumer: Closed with explanation
Consumer complaint received 04-04-2015 about Credit card () with U.S. BANCORP (FL).
Issue: Rewards

Complaint: I have a credit card with US Bank, a XXXX XXXX Personal Visa Card. This account was opened in XX/XX/XXXX about XXXX months ago. 
They just sent a communication they are cutting a core benefit of this card on XX/XX/XXXX, A XXXX hotel night will no longer be offered when booking reward stays of XXXX nights or more. This was the primary reason I opened my account. 

As part of the Card Act / CFPB rules, I thought issuers were not allowed to XXXX cut card benefits in the first year of cardmembership, and XXXX charge an annual fee for a benefit ( Which I paid at opening ) and then remove that benefit in the same year the annual fee is paid. 

I feel I was seriously deceived and misled and deserve a refund of my annual fee at the minimum, and additional points/compensation for a credit pull under false pretenses. 

Thanks for the help, XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief