milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09/14/2017 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: Personal information incorrect

Complaint: To Whom It May Concern XXXX XXXX. XXXX XXXX XXXX, CA XXXX Experian XXXX. XXXX XXXX XXXX, TX XXXX XXXX XXXX. XXXX XXXX XXXX, GA XXXX XXXX, XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX To Whom It May Concern : This letter is a formal request to correct inaccurate information contained in my Credit Reports. The item ( s ) listed below are as follow : Please update to the correct address XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX I HAVE BEEN LIVING THERE SINCE XXXX/XXXX/XXXX Have enclosed a copy of two bills THESE ADDRESSES ARE NO LONGER MY ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX XXXX, XXXX, FL XXXX PLEASE UPDATE MY CURENT ADRESS ADDRESS : XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX PLEASE UPDATE MY PHONE NUMBER TO MY CREDIT REPORT CELL PHONE:XXXX Requested Correction : please update all info to my correct info I have sent all evidence to support your claim ] In accordance with 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ), I request that you investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I further request that you immediately : delete, update, correct ] any and all the item.
Furthermore, pursuant to 15 U.S.C. 1681i ( b ), I request that you supply a corrected copy of my credit reports to me and all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes.
Additionally, please provide me with the name, address, and telephone number of each credit grantor or other subscriber to whom you provided a copy of my credit report within the past six months.
Moreover, if your investigation shows the information to be accurate, I further request that you forward to me a description of the procedure used to determine the accuracy and completeness of the item ( s ) in question, including the business name and contact information of any furnisher within 15 days of the completion of your reinvestigation as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). You are bound by Federal Law to comply with the above requests within the time periods specified. Failure to do so will result in a complaint being filed with the Federal Trade Commission I have also enclosed a bill with my Name and current address. 

XXXX, XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL 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 01/19/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (NE).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I was forced to apply for and sign off on student loans that were not legal. Their tactics were incredibly aggressive going so far as to tell me " If you do n't sign this RIGHT NOW you ca n't go to school anymore. In fact, you ca n't even go back to class! You 'll have to leave right now from my office! '' Then I became XXXX and when I tried to have my loans discharged because of a XXXX, they denied it and said I still had to pay!

Company response to consumer: Closed with explanation
Consumer complaint received 11/23/2016 about Mortgage (Other mortgage) with Ditech Financial LLC (CA).
Issue: Loan servicing, payments, escrow account

Complaint: XXXX : Requesting an accurate Payoff amount for XXXX XXXX CA XXXX from Ditech Financial. 
Ditech Account # XXXX XXXX. The loan was sold to Ditech Financial by XXXX and title transferred on XX/XX/2016 DItech is claiming I did not make payments after XX/XX/2016, and I did make all payments until XX/XX/2016. I proved this to them by providing bank statements showing an automatic withdrawal or a debit card transaction that took place each month. Because of this, they will not accept my mortgage payments since XX/XX/2016 and have sent several letters stating I am in default and am pending foreclosure. I can not get acknowledgement from the supervisor I spoke to that they received the bank statements that prooved the payments were made and that the matter is cleared up. The only info I have on him is this : XXXX the number is : XXXX ( this goes to an operator, not directly to XXXX ) The account number is : XXXX Ditech Financial LLC XXXX. XXXX, SD XXXX. I have an accepted offer for the sale of my home. I am trying to get the payoff amount from Ditech. Every page of the Ditech website has a different amount, as well as every document they send me via mail. ( See attached files. ) 3. Once a payoff is provided by Ditech, I need reassurance that the loan will be cleared, and that this would not effect either the buyer or myself in the future. 
Please see attached files. 
1. payoff quote from Ditech XXXX 2. XX/XX/2016 mortgage statement from DItech ( the most recent I can get off the website ) 3. Recent letter received from Ditech regarding mortgage status. 
4. XXXX Account status as of XX/XX/2016 5. Loan History from XXXX 's website XX/XX/2016 Additional information : you may refer to the previous case I had opened with XXXX, for XXXX years I worked with them over a clerical error they made where they withdrew funds from my account and considered me in default because of their error. This was finally resolved as of XX/XX/2016 and payments were made according to the resolution agreement, yet when the loan was sold to Ditech, Ditech did not get all the information. This has been over 3 years of incredible time consuming work that was forced upon me and I decided to sell the home so I could be done with all this situation, however, how I need a payoff and am getting different amounts from each source at Ditech. I would like them to honor the payoff amount on their website, however, I do not want them to come back later stating it was not paid. 

Sincerely, XXXX XXXX XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 07-11-2017 about Payday loan, title loan, or personal loan (Payday loan) with Harpeth Financial Services, LLC (TN).
Issue: Struggling to pay your loan

Complaint: I took out a XXXX XXXX loan and afterwards lost my job and accrued serious medical bills from a XXXX XXXX. I 've paid off over half the loan but am unable to pay the rest right now. Advance Financial calls me from different phone numbers upwards of 15-20 times a day starting around XXXX XXXX central time. Also In the process of making automated withdrawals from my account they over drew my account. I did agree to automatic withdrawal but the fact they caused overdraft fees is very upsetting.

Company public response: Company believes it acted appropriately as authorized by contract or law
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. (WA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: I was identified on XXXX as having been a victim of the recent security breach ( Today is X/X/2017 ). The intrusion was discovered by Equifax, according to their statement, on XX/XX/XXXX. This is an unacceptable length of time to wait to notify the public. 

Additionally, while Equifax is offering " free '' credit monitoring for 1 year since I am a victim of the breach, this is a trap. The arbitration clause included in this free monitoring would prevent me from being able to sue them for damage caused to me by the data breach.

Company response to consumer: Closed with explanation
Consumer complaint received 07/20/2017 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. (TX).
Issue: Other transaction problem

Complaint: On or about XXXX XXXX, 2017, my account to both BUY and SELL cryptocurrency was blocked ( restricted ) on Coinbase. I have no ability to sell any of my virtual currency - of which I own over {$120000.00}. I can not buy more. They are holding my money XXXX, not allowing me to access the cryptocurrency  and sell when the market drops. I have sent emails every day, sometimes twice a day. At first they ignored me. Then I started sending XXXX messages to their support team and executives. They sent me a note from a customer support rep scolding me for being impatient and saying they were working on it. On XX/XX/XXXX I got a message saying my account had been unblocked. TOTAL LIE - I am still completely blocked. This is obviously illegal and a scam. I have over {$120000.00} sitting with this company that I can not access. They ignore all requests for help, have no phone support and when I did finally reach down their corporate office phone, all you get is a voicemail or an automatic hang-up. A company that goes to great lengths to make sure no one can contact them is a scam. These people hold millions of dollars in consumer funds and have thousands and thousands of angry customer complaints all over the internet. They need to be CLOSED DOWN.

Company response to consumer: Closed with explanation
Consumer complaint received 12-03-2017 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (NY).
Issue: Managing an account
Sub-issue: Fee problem

Complaint: On XXXX/XXXX/XXXX Bank of America illegally charge me {$35.00} fee for Overdraft beside {$35.00} charge on XXXX/XXXX/XXXX which is correct but in total they charge me {$70.00} stay {$35.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 02-06-2017 about Student loan (Federal student loan servicing) with AES/PHEAA (TX).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: First college I attended was a scam like reported in news and media. Poor teaching, poor education, and poor internship. The was no high paying job as a clinical medical assistant as promised. Prospective jobs did not recognize the college. XXXX college credits did not transfer from this college they are worthless credits. XXXX closed down.

Company response to consumer: Closed with explanation
Consumer complaint received 05-03-2016 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: Experian keeps renewing a negative item

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 09-03-2017 about Debt collection (Other debt) with Stellar Recovery, Inc. (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: STELLAR RECOVERY had originally reported a false account on my credit back in XX/XX/XXXX. I had notified both them and XXXX back in XX/XX/XXXXthat this debt was not mine and that the name and address used to open this account were not mine either. This was removed off my credit report eventually. However it appears that Stellar may have sold this debt to XXXX XXXX XXXX Who are now trying to collect the same debt. I am now having to file a 2nd police report and submitting other forms of documents to prove once again that I am not the person who opened this account.

Company public response: Company believes it acted appropriately as authorized by contract or law
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. (WI).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: On XXXX/XXXX/2017 I was informed of the security breach at Equifax. After checking to see if I was affected, I found out that indeed my information had been compromised.

Company response to consumer: Closed with explanation
Consumer complaint received 10/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CT).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have XXXX hard inquiries from finger hut that I never had anything to do with

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Problem with fraud alerts or security freezes

Complaint: I was part of the XXXX credit information hack I find it unacceptable that I have to PAY to freeze my credit when I did n't consent to my information being stored by XXXX, Experion, or XXXX in the first place. No American can sign up for any service or financial account without being validated by these three, so this is a forced requirement.
Congress should federally mandate that credit freezes, unfreezes, and reporting be made available at no charge and with no conditional requirements ( ie : signing up for credit protection services offered by the agencies or their vendors ). Our ability to BE American citizens relies on our ability to control our credit reporting. Credit reporting agencies already make money off of my information and I should not be required to pay them additional money to protect my information, especially when they allow breaches that can cause permanent financial and identity harm. 

Thank you for taking time to read my 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 01/28/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CITIBANK, N.A. (NJ).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I did not Authorize sears to give Inquiries on the following dates XX/XX/XXXX and XX/XX/. These Inquiries are fraud I did not authorize 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
Consumer complaint received 04/20/2015 about Credit card () with CITIBANK, N.A. (CA).
Issue: Payoff process

Complaint: multiple late fees and charges on paid off credit card. continuously makes up new charges then adds late fee and then interest on late fee. Reversed all fee last month then charged interest on reversal and with late fee and more interest. Called to day for help and was told because its my due date just to pay XXXX and they wont charge me XXXX + more late fees on all wrong charges. ARE YOU SERIOUS ( extortion )

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 12/29/2015 about Credit card () with CITIBANK, N.A. (WA).
Issue: Billing statement

Complaint: I received a Macy 's bill for a {$2.00} " Fees Charged '' on a zero balance. The previous month the account was paid as agreed way before the due date. However on the XXXX of this month when the billing statement was generated they assessed the fee on what Macy 's confirmed was a zero balance and removed the charge. This has happened before and they have removed it. They even have a recording where you can have it removed without even speaking to someone! I feel as though they are throwing these fees out in hopes that a certain percentage of people will just pay it.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 09/27/2017 about Debt collection (Other debt) with R & B Corporation of Virginia (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: XXXX XXXX has attempted to collect a payment since XX/XX/XXXX and has forwarded this alleged debt to XXXX XXXX XXXX ( EDP XXXX ). XXXX XXXX XXXX continues to send me debt collection letters. My account with XXXX XXXX ( XXXX ) was canceled in XX/XX/XXXX with no remaining balance -- returned all the equipment. If there was a remaining balance, according to California consumer debt laws, after four years a debt can not be collected. The time lapse was completed In XX/XX/XXXX. I want the negative credit reporting from XXXX XXXX XXXX and XXXX XXXX to be deleted from XXXX, XXXX, XXXX XXXX and XXXX, per California laws.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 08/19/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with AMERICAN EXPRESS COMPANY (CA).
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: OnXX/XX/XXXX, an online order was placed with XXXX XXXX for movies. I used my American Express card for payment. On or about XX/XX/XXXX, a neighbor indicated returned items in open box with two movies were left at her door. On XX/XX/XXXX, I called XXXX XXXX  customer service reporting not receiving stolen items and tampered items in box. The call was recorded as evidence. XXXX XXXX own documents support stolen items indicating " left with woman '' and it should be noted at a wrong address. See attached XXXX XXXX  documents. On XX/XX/XXXX, I called American Express to dispute charges. See attached letter datedXX/XX/XXXX OnXX/XX/XXXX, I returned two movies and reported stolen items to XXXX XXXX  store employee. I also showed as evidence tampered box. See attached receipts and XXXX XXXX documents. OnXX/XX/XXXX, I received American Express response with documents from XXXX XXXX supporting my position of stolen items to unknown woman and delivered to wrong address. On XX/XX/XXXX, I spoke with XXXX from American Express. I indicated to him of the wrong address and delivery to unknown woman. I also indicated I never received my order from XXXX XXXX. XXXX refused to dispute the charges and indicated my charges would not be credited. XXXX  also refused to credit the returned items showing XXXX XXXX had received the returned items. He advised me regardless I would have to pay the total charges.

Company response to consumer: Closed with explanation
Consumer complaint received 07/20/2016 about Credit card () with SYNCHRONY FINANCIAL (MI).
Issue: Unsolicited issuance of credit card

Complaint: XXXX received a credit rejection letter. I never applied for credit! My identity was stolen in the past 3 weeks and two things have happened since then, this is the 2nd. The other had 2 cards issued by another group ... I never applied for and, ready, they were mailed to ME under 2 names. (? )

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 01/22/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I filed an dispute with Transunion on XXXX XXXX XXXX, and XXXX XXXX XXXX and advised TransUnion that the following hard unauthorized inquiries were not initiated by me and the creditors did not have an permissible reasons to place these unauthorized hard inquiries on my file. I requested that TransUnion provide my authentic signature for these unauthorized hard inquiries or delete these authorized hard inquiries deleted of my file. 
file. Transunion never responded to my disputes. 

XXXX XXXX XXXX XXXX Requested On : XXXX/XXXX/XXXX XXXX Requested On : XXXX/XXXX/XXXX XXXX Requested On : XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX Requested On : XXXX/XXXX/XXXX XXXX XXXX XXXX Requested On : XXXX/XXXX/XXXX XXXX XXXX XXXX Requested On : XXXX/XXXX/XXXX XXXX XXXX Requested On : XXXX/XXXX/XXXX XXXX XXXX XXXX Requested On : XXXX/XXXX/XXXX XXXX XXXX via XXXX Requested On : XXXX/XXXX/XXXX XXXX Requested On : XXXX/XXXX/XXXX XXXX XXXX Requested On : XXXX/XXXX/XXXX XXXX Requested On : XXXX/XXXX/XXXX XXXX XXXX Requested On : XXXX/XXXX/XXXX XXXX XXXX - XXXX Requested On : XXXX/XXXX/XXXX XXXX XXXX Requested On : XXXX/XXXX/XXXX XXXX XXXX XXXX via XXXX XXXX XXXX XXXX Requested On : XXXX/XXXX/XXXX XXXX Requested On : XXXX/XXXX/XXXX XXXX XXXX Requested On : XXXX/XXXX/XXXX XXXX XXXX Requested On : XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX Requested On : XXXX/XXXX/XXXX XXXX XXXX Requested On : 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 10/17/2016 about Credit reporting () with EQUIFAX, INC. (IL).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: I am concerned that my personal information has been compromised. I am a XXXX employee which were compromised in the giant Fed hack recently. I have had fraudulent charges appear on at least XXXX of my credit cards recently, both individual accounts and authorized accounts. Additionally, at least Equifax includes both an incorrect address and an incorrect " alternate '' social security number for me. Those appear to be typos as they are only off by only XXXX or XXXX digits, but I 'm still concerned due to exposure in at least the hack on the XXXX database. Also, I 've been the target of phishing attempts that show evidence that thiefs have at least some of my personal info at their disposal. I would like to get an alert or something in that vein to alert potential creditors of potential identity theft or fraud. Thank you for your help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12-04-2017 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: I have a negative dispute on my account that both parties say its their fault that they will not take off. Its been payed. 

Also, I have a legitimate claim on an individual and individuals who claimed they had my mortgage secured. They completely lied about this and my Property was foreclosed. I have all the documents and emails to prove this. 

Lastly, I was involved with two lawsuits and the lawyer who was in charge of these showed no documentation whatsoever. These lawsuits were against ex business partners. I still hold all the emails and legal contracts.

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