milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08-10-2017 about Student loan (Private student loan) with Navient Solutions, LLC. (FL).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: On XX/XX/XXXX I was told by XXXX from Navient that if I made a payment using my debt card my account would show current on the Navient web page. I needed it to show current because my mom is a co signer and was in the process of closing on a new house on XX/XX/XXXX. Then I called NAvient back ( same day ), after I saw there was no change to my account even know the money was out of my bank. I was promised an email with a conformation number from a different NAvient employee. I never received that email, and 24 hours had gone by .... I called NAvient back the next morning XX/XX/XXXX to ask why my account had not change to current and where was this email I was suppose to have received. I talked to ( XXXX XXXX ) and she said that she had talked to a supervisor and I should have the email by the end of the day, but I never received anything. I called back same day XX/XX/XXXX and talked to XXXX XXXX again that told me the email department would only send emails in the order of request. I asked to speak to a supervisor and that request went unheard by the rep ( XXXX XXXX ). I was basically lied to and stalled by the Navient reps. Telling me that all the information was on its way to me just get paid and to get me off the phone. That same day XX/XX/XXXX after XXXX XXXX XXXX I finally got to talk to a supervisor From NAvient. This woman basically said why should I try to help you when you have been late on your payments. They are many reason I 'm late making payments, but the main reason is so that I can enroll in income base repayment plan. This supervisor was rude and could give me no explanation as to why I was told numerous lies from XXXX  and XXXX XXXX. She did nothing but talk in circles and trying to make me fell bad for being late on student loan payments that had nothing to do with why I was calling.

Company response to consumer: Closed with explanation
Consumer complaint received 06/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Diversified Consultants, Inc. (CA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: I owe to  XXXX   XXXX   XXXX  and diversified consultant bought my account and they said on the phone if I pay them then my collection will be removed from credit report and I paid them off their amount, they said go ahead dispute with credit report which I did already and they said we will just updated on credit report and they played with me and lied and it was  2015

Company response to consumer: Closed with explanation
Consumer complaint received 07/31/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL).
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 am trying to clear account errors on my report! These accounts are not mine. Under the 605 B act These accounts should not be reporting. It is illegal! I have submitted this information already and I have informed all three credit reporting agencies that these accounts are not mine. Please Remove them immediately!! XXXX XXXX- No knowledge of this account! XXXX XXXX XXXX! No knowledge of this account! XXXX XXXX XXXX No knowledge of this debt! XXXX XXXX-No knowledge of this account! The following inquiries were not authorized! XXXX XXXX XXXX XXXX XXXX Please Remove this information immediately!!

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 09/21/2016 about Credit card () with JPMORGAN CHASE & CO. (RI).
Issue: Identity theft / Fraud / Embezzlement

Complaint: I have had several issues with my Chase Freedom credit card. 

1. A couple of years ago I discovered a service attached to my card that i had never authorized. It was charging an additional 1 % of my credit card balance as some kind of " account protection ''. An example of this unknown service would be " payments would be made to the card I was incapacitated and unable to make my payments. This service subsequently increased my 12 % APR card to a 24 % APR Card. 

2. In the last year I have found XXXX transactions on my account and billed using " Online, Mail, or Telephone transaction ''. I disputed these charges and was rewarded my money back. This was some sort of business institution charging this card. To me it appears that Chase is performing these charges on user 's accounts and charging interest on these fees. 

The actual transaction : [ XXXX XXXX DEDUCTIBLE Adjustment Hide details about this transaction This transaction posted on XXXX XXXX, 2016 Additional merchant and transaction information XXXX, PA XXXX US Online XXXX Mail, or Telephone transaction ] I asked the chase representative if they would perform an audit on theses charges. They seemed very dismissive with me. Meanwhile other people have been charged these finance charges and paying interest on these charges. 

To the best of my knowledge this has not occurred on any other account. My perception of this is Chase is performing these transactions to generate revenue and fees.

Company response to consumer: Closed with explanation
Consumer complaint received 02-08-2016 about Credit card () with CITIBANK, N.A. (CO).
Issue: Other

Complaint: Macy 's called my ex-husband regarding my Macy 's credit card account. I have never given them his phone number or permission to contact him regarding my account. They have all of my contact information and they did not attempt to contact me at all. I do n't want my ex having information about my accounts. Do I have any recourse?

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 01/14/2016 about Debt collection (Federal student loan) with TRANSWORLD SYSTEMS INC (PA).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: Threatened wage garnishment for a loan that is not in default.

Company response to consumer: Closed with explanation
Consumer complaint received 07-03-2017 about Debt collection (I do not know) with PORTFOLIO RECOVERY ASSOCIATES INC (FL).
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint: Portfolio Recovery Associates hired XXXX, XXXX, XXXX XXXX, XXXX to sue me for an alleged debt in the amount of {$1100.00}. They never served me and obtained a default judgement against me to garnish my wages. I have asked PRA & their law firm to drop the suit because they never served me with the lawsuit or provided me with any viable evidence, bearing my signature. They have yet to cooperate with me.

Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with I.Q. DATA INTERNATIONAL, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Disputed with credit beareu serveral times

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02-07-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint: This company has rejected many of my disputes that I had with debt collectors on my report. I was able to remove all of the ones that was originally rejected by the reporting agency because the debt collector was not able to validate account. 

I thought that the credit beau, of all people, would validate the account when disputed, but they do not. They just always assume that the debt collector is right with no challenges. 

I was able to do it, why wasn't the credit reporting agency able to do this when i disputed? This is what they are suppose to do, right? In most disputes i would get a generic response saying that the debt has been verified and is a true debt and they leave it on my credit report with no explanation as to how they came to that conclusion or why. 

Some of the debt collectors that i successful removed from the credit report is as follows : 1 ) XXXX county court 2 ) XXXX XXXX XXXX 3 ) XXXX XXXX 4 ) XXXX XXXX XXXX 4 ) XXXX   XXXX XXXX XXXX 5 ) XXXX XXXX XXXX 6 ) XXXX XXXX XXXX XXXX 7 ) XXXX XXXX XXXX XXXX XXXX XXXX 
8 ) XXXX XXXX XXXX XXXX, XXXX. 
9 ) XXXX XXXX Collections Department 10 ) XXXX XXXX XXXX I am working on a couple now as we speak. 

NONE of these should have ever been placed on my credit report so that means that you do not validate the claims prior to posting them like you are suppose to. 

I plan to sue this Company for damages to my credit, punitive damages and fraud.

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 01/16/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: identidy theft i reported it descrefencies in my experian credit report and hard inquireis i did not apply for any 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 08-09-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: it has been more than 30 day that i send out a letter disputing wrong information on my report and I have not received anything as im writing this complain on XXXX/XXXX/16

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 02-02-2017 about Prepaid card (General purpose card) with AMERICAN EXPRESS COMPANY (NE).
Issue: Unauthorized transactions/trans. issues

Complaint: I reported fraudulent activity to Amex on my prepaid card which they assured me they would thoroughly investigate and would send me a new card. Less than 24 hours later I got a notice by email that the dispute was determined to be a valid charge and that I had violated the member terms and conditions so they were suspending my account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 10/17/2017 about Debt collection (I do not know) with Receivables Management Partners, LLC (IN).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: Please be aware we have and can provide a copy of an audio recording of today 's call in which multiple representatives from XXXX XXXX XXXX repeatedly refused to send my husband a letter describing why they started calling his cell phone on Saturday. Excerpts of that audio recording are attached with this complaint. We have stellar credit and in recently purchasing a home reviewed all our credit reports. So it would be surprising if the calls involve collection of any legitimate debt and regardless, the tactics used in refusing to send anything in writing were outrageous. In both calls, including the one that we recorded this morning, the company 's representatives repeatedly asked for my husband to disclose sensitive personal information to them over the phone -- including his date of birth and even his Social Security number -- before they would agree to tell him why they are calling. The call was on speaker phone so we could record it. When my husband challenged the supervisor for asking him to provide his Social Security number in an age when identify theft is rampant, she demurred that she was just providing him options. When we both asked the company to send information in writing, because we 're not comfortable giving out personal information over the phone, they eventually claimed the company sent a letter on XXXX XXXX. We said we did n't receive any letter and asked them to resend it. They refused saying they ca n't send us anything XXXX even to whatever address they have on file and that they would have used to allegedly send the first letter XXXX without my husband first providing sensitive personal information to them by phone. Multiple representatives, including but not limited to a supervisor who said her name was XXXX XXXX, another employee who said her name was XXXX, and another supervisor who gave his name as XXXX, did this repeatedly on the call that we recorded. The recording shows that multiple XXXX XXXX XXXX employees flat-out refuse to send anything about their collection purpose in writing. If CFPB is interested in taking regulatory action against this company, we can provide the much longer recording. In addition, the company indicated that it also was recording the call for verification and training purposes. So CFPB can also seek a copy of the company 's recording to further verify our complaint about their tactics.

Company response to consumer: Closed with explanation
Consumer complaint received 02/14/2018 about Debt collection (Credit card debt) with WELLS FARGO & COMPANY (CO).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I have an outstanding credit card debt with wells fargo ( XXXX ), and I am trying to settle ( dont have enough, nor foresee a point that I will have enough, to pay the debt in full ). I have had this debt since XX/XX/2016. 

Wells Fargo refuses to negotiate settlement terms ( must pay 60 % ). Other banks negotiate these terms, or at least offer less than 60 %. 

The degree to which settling the debt will impact my credit score is significant, such that 60 % is not worth the settlement. However, there is no way I could pay the full amount. 

The credit card ( XXXX $ limit ) was issued when I was XXXX, had no job, and was paying for college ( through wells fargo loans ). 

I feel their tactics in getting me hooked ( and forever in debt ) are predatory. I am trying to get myself on my feet again, and there is no help from wells fargo.

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 12/18/2015 about Credit reporting () with EQUIFAX, INC. (SC).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: My social security number was stolen along with my tax records.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02-07-2017 about Credit reporting () with Diversified Consultants, Inc. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: my disputed bill with att phone compagny was paid in amount of XXXX $ but the collection company added another amount that i am not aware about and now it showing in my credit report as a negative itemes

Company response to consumer: Closed with explanation
Consumer complaint received 02-12-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, 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 several attempts to have inquiries, collection accounts and a bankruptcy removed from my credit file I did some further research regarding my XXXX  credit file and find that my personal information was breached.

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 07-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (GA).
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 a collection back in XX/XX/XXXX from XXXX in the amount of {$460.00}. In XX/XX/XXXX it was removed until XX/XX/XXXX. However, it was re inserted back on my credit report. On XX/XX/XXXX I sent Experian, XXXX, and XXXX 5 day reinsertion letters. Which were true. I was never notified of the reinsertion by anyone. Experian, sent a letter back to me stating that the collection is verified and found to be true. How is it true, the law in my letter specifically stated that I am entitled to know what steps they took to verify an account that is clearly not mine. My name is misspelled on this so called itemized bill they sent me. Like really, this is not me, I know my name and how to spell it. Only thing the collection agency gave was a bill with a misspelled name. XXXX and XXXX removed it back off immediately, after the five day reinsertion letter. However, Experian states it 's verified, and I know it 's not. I want to know how it 's verified. I want this account removed asap, and my credit score restored. This is really unfair, they made my score drop as well as make miss out on getting a house. My score was n't XXXX, but it was enough to get me pre approved. If it was truly mine, I would honestly pay my debt, but this here is n't mine.

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 09/14/2017 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: Information belongs to someone else

Complaint: According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), your company is required by federal law to verify - through the physical verification of the original signed certified consumer contract - of any and all accounts you request to be posted and or reported on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see a copy of the Verifiable, Validated Proof ( an original Consumer Contract with a wet-ink Signature on it, copies of copies are not Validation and by Law are not considered proof ), that you have on file for the accounts listed above. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified, invalid accounts must be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 09/14/2017 about Debt collection (Medical debt) with Alorica Inc. (AZ).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint: XXXX calls me and tells me where she is from and states that she is calling to collect a debt. She states " You have XXXX hours to call me back or I will send an arrest warrant to your home or workplace. ''

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 07-12-2015 about Mortgage (Conventional adjustable mortgage (ARM)) with BB&T CORPORATION (TX).
Issue: Credit decision / Underwriting

Complaint: I filed necessary forms for a Deed In Lieu of foreclosure with BB & T loan number XXXX on XXXX XXXX, 2015 after condition of property being listed for 90 days was satisfied per their policy. i have had no response as to status and have left several voice mails with XXXX XXXX at BB & T for update with no response. 
She was the loan officer that advised me on my initial submission of requirement of listing the property 90 days prior to resubmitting the paperwork. 
I ha e also requested a copy of the entire loan file for investigation of why XXXX appraisals were ordered at my initial loan application. No response to that either!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/28/2015 about Credit card () with CITIBANK, N.A. (FL).
Issue: Other fee

Complaint: On XXXX of 2014, my husband ( who was my fiance at the time ) and I purchased our wedding bands at a value of {$3000.00} at a ZALES Diamond store in XXXX XXXX, Florida. We chose Zales because they had a promotion advertised on their website and on a store front signage, offering a certain percentage off the entire sale and 0 % interest the first year on charge purchases. So we signed up and completed the purchase. We double verified with XXXX ( the sales associate helping us ) that we were qualified for the 0 % interest for the first year promotion. As understood, she verified more than once that we were eligable for the promotion. To our surprise, on XXXX XXXX, a {$600.00} and something charge hit our account. I called in to inquire on the charge, as I know we had n't used the card, and was advised that the charge was backed up interest because we had no paid off our debt & the " promotion '' was for balances paid in 6 months. I WAS IN SHOCK!!! I tried explaining to the associate on the phone that in no given time was this explained to me by XXXX when we asked her multiple times about the promotion. He went on to say that it was in the agreements that we signed. Who the hell looks at all those fine prints?! I asked to speak to the manager, who of course could n't help me & was suuuuuper rude and basically told me I just had to pay the interest charge. Long story short : ZALES is a thieft company. They advertise incorrectly and hide information/fees. I will never be doing business with them again. My husband 's wedding band is giving him an allergic reaction and we are looking into filing a lawsuit against them. Worst part is - they are negligent to help and makes us consumers feel as if they are the ones doing us a favor. The XXXX associate that assisted me on the phone told me that A LOT of people call to complain about the same thing and that A LOT of people say their in store sales associates fail to give them complete promotion information. Funny how their own employees would say that about the company .... really says a lot about them. Stay away from Zales ... cheap quality jewelry & high price tags.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation