milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I reached out to XXXX on XX/XX/XXXX and I spoke to a manger and I advised him that the inquiries listed do not belong to me and I have no knowledge of them. Of course he advised me to call each one of them and ask for removal. I did contact each one and was left with nothing, each of them told me they had no knowledge of what I was asking and could not help me nor could they verify that I allowed them to run my credit. I called XXXX back asking them to speak to someone in fraud about this and they transferred me over to be told there is nothing they can do and creditors can run my credit when they chose. I know this is incorrect and they suggested a fraud alert but I am in the market for a home and do not want to do that. I have attached a list of the inquiries that the manager told me to call. Please assist me with removing these.

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 01-11-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Diversified Consultants, Inc. (TX).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I sent a debt validation to the collection company ( Diversified Consultant 's ) on XXXX/XXXX/2015 The company received the debt validation on XXXX/XXXX/2015. The company still has not responded to the debt validation received well over 3 months ago. The company still continues to update to the all XXXX credit reporting companies.

Company response to consumer: Closed with explanation
Consumer complaint received 09/17/2016 about Debt collection (Medical) with N.A.R., Inc. (CO).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: This debt collector was continuously calling me on the phone and I had to tell them to please stop calling my phone my job to just stop bothering me. So now they went out of their way to actually send a physical person to my girlfriend 's house with fake documents stating that they are suing me for the debt, that is harassment and I want something done about it

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04-04-2016 about Debt collection (Credit card) with Love, Beal & Nixon, P.C. (OK).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: I have sent numerous comoldings on Love Beal and Nixon. I have madeany phone calls that have not been returned by XXXX XXXX XXXX. I sent to them my information about the identity theft but again no response. I have also requested from them a copy of the SIGNED contract from XXXX XXXX XXXX and they have yet to provide it. They have now sent me a Motion of Summary Judgement that I received on Saturday, XXXX/XXXX/2016. I plan to file my rebuttal with the court clerk no later than XXXX/XXXX/2016. This DEBT IS NOT MINE!

Company response to consumer: Closed with explanation
Consumer complaint received 10/28/2015 about Mortgage (Conventional fixed mortgage) with Caliber Home Loans, Inc. (MI).
Issue: Settlement process and costs

Complaint: I was just told by my lender that I will have to wait 9 calendar days now thatmy loan was cleared to close. A certain amount to schedule the closing, another amount to deliver the closing documents, and even more to look atthe closing documents? Meanwhile my rate is expiring as I have arefinance loan that needs 3 more " business days '' for something after wesign? All this waiting seems like a way to make my rate worse!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 09/19/2015 about Bank account or service (Checking account) with CITIZENS FINANCIAL GROUP, INC. (NJ).
Issue: Account opening, closing, or management

Complaint: I attempted to open up a checking account online with Citizens Bank. Through their account enrollment site, I initiated a transfer from my savings account ( from an external bank XXXX to fund the Citizens Bank account. After pending for two days, the funds were denied. 
I immediately contacted the external bank inquiring why the funds were not released to Citizens Bank. The external bank indicated there was no record of a transfer. The external bank representative indicated that Citizens Bank likely coded the transfer incorrectly as a XXXX account instead of a savings account. This was the most likely scenario since the routing and account number was confirmed accurate. 
I presented this information to Citizens Bank. I spoke with XXXX different customer service representatives who all indicated the Bank was not responsible for the failed transfer and further demanded payment of a fee imposed due to the failed transfer. 
Citizens Bank terminated my account and access to their online banking portal.

Company response to consumer: Closed with explanation
Consumer complaint received 05/23/2016 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (CA).
Issue: Account opening, closing, or management

Complaint: I went to open an account with Chase Bank in the XXXX XXXX XXXX shopping center in XXXX XXXX, CA. I had opened a business account and disclosed I had been a victim of severe identity theft by a career criminal. I stated not only accounts were opened in my name but also, checks had been compromised and other information with other accounts. I assumed I had been red flagged by Chase and asked to provide the information proving the derogatory issue was not my fault. Not only did they refuse to disclose they had put my personal information on restriction, they had also refused to review anything regarding changing their relationship with me. I made an identity theft report with them and everything. This is not a friendly bank to do business with at all. Customer service refused to disclose any policy whatsoever. They told me to check the credit bureaus, XXXX and told me they could not say whether any of those influenced their decision. Chase went out of the way to keep me from resolving the matter and I was furious.

Company response to consumer: Closed with explanation
Consumer complaint received 09-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MO).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax was negligent and did not securely hold my information. My Name, Social Security number, Birthdate, Address, Phone Number, and Drivers License number has been taken by unknown entities during the 2017 cyber attack. There is a chance they were also able to access my credit card numbers. 

I am a victim of Identity theft and now at high risk of credit and identity fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 08/21/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: The account is XXXX in which I was a authorized user on my mothers account ; The account was not closed and is still active. I am just removed as authorized user because I applied and received my own account with XXXX. Regardless this states that the account was terminated by credit grantor and it was not. Please update your records to reflect these changes.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/24/2015 about Debt collection (I do not know) with ERC (LA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: A company identifying themselves as Enhanced Recovery Company has been calling my phone non-stop over the last several weeks, presumably about a debt to collect. They refuse to tell me specifically what the calls are about other than a 'personal business matter '. I have made it VERY clear to them that we have no business if they cant provide further details. I want the harassment to stop. 

Calls always come while I am at work, wasting my time, and my customers time. 

Calls are coming from the following numbers so far:XXXX, XXXX, XXXX, XXXX, XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/16/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with HCFS Health Care Financial Services, Inc. (FL).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I have made Several disputes with the credit reporting agency about the account is being reported inaccurately Open. The account has been " CLOSED '' since XX/XX/XXXX. The account appeared open after a dispute of a newly added account by the collection Agency XXXX. On XX/XX/XXXX the accounts suddenly was reported to the credit bureau as " OPEN ''. I have made an dispute. My credit file was corrected, The accounts appeared Closed on XX/XX/XXXX-XX/XX/XXXX. 
On XX/XX/XXXX XXXX reported the account as " OPEN '' right after i have corrected that it was inaccurately Reported as Open. I have made another dispute.. My credit file was corrected, The accounts appeared closed on XX/XX/XXXX-XX/XX/XXXX. 
On XX/XX/XXXX XXXX reported my accounts as open again. 

What can be done here?

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 10/23/2017 about Student loan (Federal student loan servicing) with NELNET, INC. (TN).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: I left XXXX XXXX in XXXX of 2017 and enlisted in the XXXX and reported on XXXX XXXX, 2017, my PEBD. 

I logged in to Nelnet today and saw a letter telling me that they received my application for a military deferment. 

I never requested that. This was the first time I had ever logged on. 

I called the Nelnet Military line and was told this letter was automatically generated based on the information they get from the DoD database. 

This letter told me exactly how to get in a military deferment and made no mention of income driven repayment plans, which I learned about from XXXX XXXX XXXX, my financial counselor. 

This letter encouraged me to put my loans in a military deferment and even said I requested it.

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 TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: XXXX   XXXX   XXXX  has confirmed in the last 60 days that all of my loans are issued by them.  XXXX  has been fraudelently duplicating the same Student loans on my credit report making my balances and debt owed double what it really is. I have no borrowing agreement with this company and they continue to call, and now are sending thick packets of mail with information that does not belong to me.   XXXX   has already deleted all their accounts and updated only   XXXX   XXXX   XXXX   loans. I am also very aware that this company has been investigated and apart of several lawsuits. Please look into this matter and have this issue resolved, because they continue to call and now are sending mail that I have nothing to do with. My only borrower is   XXXX   XXXX   XXXX  . Thank you!! My name is  XXXX   XXXX   XXXX , My balance with   XXXX   XXXX   XXXX   is approximately {$21000.00},  XXXX  continues to report {$40.00},  XXXX  and duplicate same information coming from   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 10-05-2015 about Credit card () with CITIBANK, N.A. (IL).
Issue: Other fee

Complaint: I had a citi aadvantage credit card, but have n't used it for the last 3 years. I have n't received or activated the replacement card. When I checked my credit report last week and found out i was charged with annual fee every year without having or using the card, I called citi bank to ask to waive the fee, but they refused.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/23/2015 about Credit card () with Army and Air Force Exchange Service (NJ).
Issue: Billing statement

Complaint: I have my account setup on auto-pay for the entire bill amount. I have several emails from the Exchange Credit Program going back many months saying my payment has posted without issues. I got a letter from them on XXXX XXXX XXXX claiming they had not received a payment in XXXX months and that my account was about to go into collections. After this I tried logging-in to their system to make a payment and was repeatedly told that my information was not in their system. Today, XXXX XXXX XXXX, a payment was made without my notification for the total amount of {$1200.00} owed. Although I had intended to pay the debt, I had not intended to pay the entire debt as this puts me in a financially precarious situation where I will be strained for the rest of the month, and likely the next month or two. 

I am complaining in the manner that this debt was handled, without my knowledge or consent. If their system could suddenly pay the debt, why could they not collect for the last two months? If their system could not collect the debt, why were they telling me that the payment posted? 

Thank you for your looking into this matter

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with BANK OF AMERICA, NATIONAL ASSOCIATION (MI).
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: Bank of America mortgage agent XXXX XXXX ran my credit without my permission on XXXX/XXXX/17 after I called to inquire about a mortgage program Bank of America has. I filed a complaint with the CFPB to request Bank of America have it removed after they would n't help me when I tried calling them. Bank of America said they would remove it. I was sent an inquiry-removal form with the wrong inquiry date, despite emailing a form to XXXX XXXX with the correct date ( I have attached a copy I sent to XXXX XXXX to this complaint with my ssn and phone number blocked out for security ). The date should be XXXX/XXXX/17, but Bank of America has it listed as XXXX/XXXX/17. The credit bureaus wo n't remove it with the incorrect date. I have tried contacting the Bank of America employees involved, including XXXX XXXX, who is supposed to be my contact my person on this, on multiple occasions regarding this, but have yet been given any kind of response as to whether they will fix their latest mistake, but have yet to receive any kind of response.

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 01/19/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (LA).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: they did n't fulfill my income based forgiveness application but tagged on a bunch of interest plus a huge monthly payment

Company response to consumer: Closed with explanation
Consumer complaint received 02/29/2016 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (RI).
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint: I have been contacting Sallie Mae and XXXX to try to determine who much I paid in total to my student loans before consolidating. They are only able to tell me the amount I paid towards my Dept of Education loans. They can not tell me the amount for the loans that were strictly Sallie Mae. I find this unacceptable and a testament to how fraudulent Sallie Mae and XXXX are as a company and student loan servicer.

Company response to consumer: Closed with explanation
Consumer complaint received 08-07-2017 about Debt collection (Federal student loan debt) with Navient Solutions, LLC. (TN).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: My ex boyfriend took out loans with XXXX XXXX ( currently Navient ) and put me down as a co-signer without my knowledge. Navient calls me repeatedly throughout the day even though I have told multiple representatives that I am not making payments on these accounts. They have also told me these deliquesces have been reported to the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 05/13/2015 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have mailed to them letters explaining my position on student loans ; several attempts with proof from the school financial aid department I 've attended. I have a zero balance! I 've shown this to them and the loan holder and servicer. They will not remove the information from my credit report. Initially there were XXXX student loans on my report, just recently they removed them after my most recent attempt to ask them to remove all of them. They will not remove XXXX of them. They tell me to contact US Dept of Ed, but they only want money from me. They will not accept that it is identity theft. Also, they do not contact me after I contact them. It is so frustrating ; I have medical bills on my report that do n't belong there either. But they will not do anything, but extend the time on the items, so that they will remain on my credit report ; it is so unfair. I am a student and I ca n't get financial aid because of this. They have conflicting information, and they 've all ignored the mistakes they 've made. This is extremely damaging to my life. I gave them information as proof and the truth of the matter. A contact name at the Institution XXXX where I once attended as a student before. I do not have any student loan debt. 
Please help me correct these issues with them, by getting them to remove the student loan fraud completely without it returning. 
Thank you, XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/22/2016 about Consumer Loan (Vehicle loan) with MERCEDES BENZ FINANCIAL SERVICES (GA).
Issue: Managing the loan or lease

Complaint: I refinanced my XXXX XXXX ( XXXX ) with XXXX and they paid on XXXX XXXX, it off on XXXX XXXX. XXXX sent the monthly bankdraft payment through my my checking account on XXXX XXXX. The {$1200.00} drafted through my account after they were paid off by XXXX XXXX. I talked to several people in the XXXX FINANCIAL ERVICES AND I WAS TOLD IT WOULD TAKE 21 DAYS TO REFUND MY MONEY.

Company response to consumer: Closed with explanation
Consumer complaint received 06/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with SANTANDER CONSUMER USA HOLDINGS INC. (FL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I currently have   XXXX   inquires on my credit report that I have not given consent to.
1. On  XX/XX/XXXX    XXXX   XXXX   XXXX     XXXX   XXXX  , Fl.   XXXX   2. On  XX/XX/XXXX and  XX/XX/XXXX  Creditor contact details  XXXX    XXXX   XXXX  , Ca.   XXXX   3. On XX/XX/XXXX    XXXX   XXXX    XXXX , Pa  XXXX  4. On  XX/XX/XXXX    XXXX   XXXX    XXXX , Pa  XXXX  5. On  XX/XX/XXXX    XXXX   XXXX   XXXX    XXXX , Ca  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 09/28/2015 about Credit card () with AMERICAN EXPRESS COMPANY (MA).
Issue: Closing/Cancelling account

Complaint: American Express cancelled my account after having it open for almost 1 years with flawless operation and funding on my part, I made XXXX ach transfers from my bank, and after the XXXX XXXX failed for XXXX on XXXX XXXX, I contacted the bank to advise them that the XXXX XXXX for XXXX would fail, I asked them to cancel the transcation knowing that it would fail and they said they would not or could not. The transaction failed because of a mistaken hold my other bank had on my saving account that restricted both incoming deposits and ACH debits, I was not notified of this hold by my other bank XXXX want the account to be reactivated and all my records and " bill pay " history to be made available to me. American Express and their offshore call center tell me all the info is never accesable to me again because this is or was an " online Account '' I want my account reopened I have all my direct deposits paychecks ( XXXX ) being deposited directly and this will cause my money which I will have received this week to be blocked. 

I did nothing wrong other than a mistake and advised them right away and was assured that my account was in good standing and that I had handled it properly in light of the circumstances. 

XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 06-11-2015 about Debt collection (Medical) with Tri-State Adjustments, Inc. (NY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I paid a bill to the creditor, XXXX on XXXX XXXX 2015 for the full amount of XXXX. 2-3 weeks later tri state adjustments called my wife, not me, on her cell phone asking for payment of this same debt. I called tri state back to advise that payment was made but the representative said collection would continue because i could not give him the check number at that moment ... .while I was driving. A few days later I called to advise the agency that check XXXX was sent and cashed by the creditor. I also advised that I called the creditor to confirm that there was no money owed to XXXX at which time I was told that there was no open balance showing at that time. Now I find that tri state adjustments has put the collection action on my credit report despite the fact that payment was made in full before any collection action was started by them. I again called the creditor to verify that there was no balance owed, which they confirmed. They also stated that they would advise Tri state that payment was made in full but they continue to verify the amount as due and payable. They obviously made no effort to verify the correct information withe XXXX or simply are looking to have me pay them to remove this inaccurate information from my credit report aka extortion.

Company response to consumer: Closed with explanation