milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08/17/2017 about Debt collection (Other debt) with Colony Brands, Inc. (GA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: My purse was stolen a few years back with all my personal indentification and other belonging inside of it. As a result I believe this account was opened because I had no idea of the account until one day when a package came that was returned to the post office to send back to sender. I called XXXX 's multiple times informing them of the inaccuracies and the rep mentioned that I would still be responsible for the shipping and late fees which I refuse to pay being that the account was fraudulent opened and their merchandise was returned. I have a police report to prove my purse being stolen causing identifying theft to be possible.

Company response to consumer: Untimely response
Consumer complaint received 01/19/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CAPITAL ONE FINANCIAL CORPORATION (AL).
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint: On XXXX XXXX, XXXX I filed a dispute with all 3 Credit Bureaus about a Fraudalent Account on my credit report with Capital One bank with a {$610.00} Negative Balance. Two of the Credit Reporting Agencies removed the account and one did not. However all 3 of them removed a Positive and good Credit account that my wife and I have with Capital One with a {$2500.00} balance, a card opened in XXXX XXXX. This has drastically affected my score and it 's hindering me from refinancing a 4.5 acre 4500 sq ft building that I own and trying to refinance. They all refuse to put the account back on my credit report and all told me to contact Capital One. I did contact Captal one and they said all 3 of the bureaus should stand up to their mistake and put the account back on my credit. The account number is : XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12-11-2017 about Debt collection (Other debt) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint: TransUnion Consumer Relations XXXX. XXXX XXXX, XXXX, PA XXXX I have contacted Transunion several times to have this information that is untrue and incorrect removed from my credit report. This has not taken place and the information remains on my report, even though I have stated that I do not owe any debt or applied for the following accounts. The accounts can not be physically verified and or proof not retained to keep reporting this is misleading or unproven information, especially considering a composed consumer complaint notifying them of said issues so please help to have the information DELETED the following illegally reported allegation here and now : Alleged creditor reporting item : XXXX XXXX XXXX XXXX XXXX TX XXXX ( XXXX ) XXXX Inquiry from XX/XX/XXXX Inquiry from XX/XX/XXXX Inquiry from XX/XX/XXXX Inquiry from XX/XX/XXXX Inquiry from XX/XX/XXXX Alleged creditor reporting item : XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX Inquiry from XX/XX/XXXX Alleged Account at issue : XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Inquiry from XX/XX/XXXX Inquiry from XX/XX/XXXX Alleged Account at issue : XXXX of XXXX XXXX, CA XXXX ( XXXX ) XXXX Inquiry from XX/XX/XXXX Alleged Account at issue : XXXX XXXX XXXX, MI XXXX ( XXXX ) XXXX Inquiry from XX/XX/XXXX Inquiry from XX/XX/XXXX Alleged Account at issue : XXXX XXXX, FL XXXX ( XXXX ) XXXX *Inquiry from XX/XX/XXXX Alleged Account at issue : XXXX XXXX XXXX OH XXXX ( XXXX ) XXXX *Inquiry from XX/XX/XXXX Alleged Account at issue : XXXX XXXX, FL XXXX ( XXXX ) XXXX *Inquiry from XX/XX/XXXX Alleged Account at issue : XXXX XXXX  XXXX XXXX, CA XXXX ( XXXX ) XXXX *Inquiry from XX/XX/XXXX Alleged Account at issue : XXXX of XXXX XXXX XXXX, CA XXXX XXXX XXXX ) XXXX Inquiry from XX/XX/XXXX Alleged Account at issue : XXXX XXXX, MD XXXX ( XXXX ) XXXX-XXXX *Inquiry from XX/XX/XXXX *Alleged Account at issue : Reference Number XXXX Date Filed Reported on XX/XX/XXXX Classification Bankruptcy Responsibility Individual U.S. Bankruptcy Court XXXX XXXX XXXX XXXX XXXX XXXX, CA 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 04-12-2018 about Credit card or prepaid card (General-purpose prepaid card) with U.S. BANCORP (TX).
Issue: Unexpected or other fees

Complaint: I was given a {$50.00} XXXX XXXX XXXX on XX/XX/XXXX, for Administrative Assistants day, Upon activation of the card in early XX/XX/XXXX, I was told the card was worth about {$22.00} because of administrative fees. The back of the card states that fees would begin with the XXXX month of card issuance. Since I had the card for less than a year, I feel the company has stolen {$31.00} from me. 

I used the card on XX/XX/XXXX, when the full value was {$19.00}. Additional fees had been deducted because I telephoned the company with questions.

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 01/23/2017 about Student loan (Federal student loan servicing) with NELNET, INC. (TX).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: The amount of the loan quite large and the interests alone is too large for us to even make a dent on the actual lone itself. I dont know if the actual amount of the loan is even true to what i should be paying. I think that the school is charging more than i was told when signed up with the school.

Company response to consumer: Closed with explanation
Consumer complaint received 09/17/2015 about Debt collection (Payday loan) with ZestFinance (TX).
Issue: False statements or representation
Sub-issue: Indicated committed crime not paying

Complaint: XXXX XXXX called my job. I was not there. They spoke to my supervisor and did not disclose that they were a debt collection company. They then told her that I would be detained for fraud if i did not contact them. She had no idea it was a debt collector because they misrepresented themselves. She thought I had committed something very serious such as a murder due to the way they spoke to her. She was so scared, she called my phone repeatedly to contact me that i may be detained. I left the facility I was working, because I wanted to resolve the issue. I left work and called to finally find out that this was about a debt. I was so embarrassed that the office thought I had done something terrible.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 05/19/2017 about Debt collection (I do not know) with JH Portfolio Debt Equities, LLC (CA).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: On  XXXX  I sent a written certified receipt lett er to JH Portfolio Debt Entity req uesting validation of this account showing my signature. They received this on  XXXX   XXXX ,  2017 , I received no response as of today. On  XXXX , I again sent a second written certified receipt letter to  JH Portfolio Debt Entity re questing validation of this account showing my signature. I received no response as of  XXXX . This account is now switched to closed account derogatory on some credit reports, without any validation from their end. It has been 45 days since they received my first correspondence.     Amount :  XXXX   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 09/26/2017 about Student loan (Federal student loan servicing) with AES/PHEAA (TN).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: I have been making student loan payments under Income-driven repayment plan since XXXX/XXXX/2012 with XXXX. I also have been employed in public service. Therefore I should qualify for over XXXX payments towards my XXXX for XXXX XXXX XXXX XXXX per XXXX. Now that I have switched over to Fedloan Servicing they are not wanting to count over half of my payments and have very inaccurate information. I personally believe that they are trying to find loopholes in the system to generate more revenue for the company.

Company response to consumer: Closed with explanation
Consumer complaint received 06/30/2017 about Student loan (Private student loan) with Navient Solutions, LLC. (MI).
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint: On Friday,  XXXX   XXXX ,  2017 , at approximately  XXXX , Navient extorted money from me in order to process a forbearance.  XXXX   XXXX   XXXX , a supervisor with Navient 's collection department, stated that if the fee was not paid that the loan would default at close of buisness on  XXXX   XXXX ,  2017 , and, if that happened the loan would be turned over to a law firm for collections. I explained that I could n't afford the fee at this time and I was told my only option was to pay or default. I was forced to pay this fee by threat of future litigation and the embarrassment that comes with that ordeal.

Company response to consumer: Closed with explanation
Consumer complaint received 07/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
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 have contacted both Equifax,  XXXX   XXXX  and   XXXX   and made them all aware that I was a victim of identity theft and provided them both a copy of my police report, identity theft affidavit, driver 's license, social security card and a recent bill and asked them both to act in accordance with the FCRA Section  605  ( B ), by blocking the information that I have detailed to them that was fraudulent from my credit file and they both have refused to comply with the law. I have sent both credit reporting agencies all of the aforementioned details by certified so I can prove them having received this information and I can also prove their non compliance to the FCRA that governs them, and they have neither  one  done anything other than treat my complaints of identity theft as a normal dispute. I have tried to contact both companies by phone as well to speak with them about their non compliance to the law concerning identity theft, but when you speak to them on the phone they tell you that there is nothing called the FCRA. The agents that work about both of these agencies are oblivious to the fact that there are laws that govern their conduct and they just try to take advantage of the victim. Sometimes when you call they will hang up on you, or they will flat out refuse to assist you in any meaningful way.  <P/> These credit bureaus are not complying withe laws that govern them and they both should be sanctioned and investigated. I have simply asked them both to comply with the law and block certain fraudulent information from my credit file after having provided all of the required documents, but they refuse to abide by the law. The people that work at these companies are extremely unskilled and not familiar with the law and the rules and regulations that govern them and they in turn treat the consumer in a demeaning manner. When I have mentioned to the representatives at both   XXXX    XXXX   XXXX , and Equifax that they could be fined and sued for their unethical practices they do n't take it seriously and they will tell you then just sue us then. Is this really the way that credit reporting agencies are allowed to act in the USA? This is unethical behavior that they are displaying and I hope that The CFPB will not continue to allow them to get away with it.

Company response to consumer: Closed with explanation
Consumer complaint received 11/13/2015 about Credit reporting () with Experian Information Solutions Inc. (TN).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: The website was very confusing. There are XXXX things WRONG on my personal record. 
XXXX WRONG addresses : ( I looked them up on the Internet ) I never lived at XXXX XXXX XXXX, XXXX , TX . XXXX ( it 's low rent housing ). 
I COULD N'T have lived at XXXX XXXX XXXX, XXXX, TX. ( it 's a XXXX ). 
I was NEVER employed at XXXX XXXX XXXX. They manufacture XXXX XXXX XXXX. 
When I lived in XXXX, I was the morning radio partner of XXXX XXXX at XXXX. 
I was known as " XXXX Summers '' on the air, as ALL people in show business, do NOT use their REAL names to protect their PRIVACY. 
Yet, somehow, my REAL identity was STOLEN, and I 'M the one who 's been fighting it for30 YEARS now.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/29/2016 about Debt collection (Medical) with AMCOL Systems, Inc. (NV).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I never was sent a bill from either the hospital or Amcol agency in South Carolina. The collection agency only contact me when the debt was placed on my report. Also the amount due was incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 03-02-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with ONEMAIN FINANCIAL HOLDINGS, LLC. (GA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I took out a personal loan with a company called Springleaf Financial and I was making the payments on time until I ran into some financial trouble. I tried to work with company to make payment arrangements but that would not help me and then took unauthorized payments out of my bank account with out my consent. Now the company has changed over to One Main Financial and I am back to making payments, I am constantly be called harassed daily on my personal phone and on my job my about making payment arraignments, getting my checking account information, and when is my next pay period. They even go as far as telling me to go barrow the money from someone else so that I can pay them.

Company response to consumer: Closed with explanation
Consumer complaint received 05/24/2017 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Managing an account
Sub-issue: Fee problem

Complaint: When checking my account at Bank of America today I discovered I was charged {$140.00} for overdraft fees (  $  XXXX x4 ). I kee p  my money at different institutaions and use my checking account and BofA only to pay certain bills. I s et up an alert to notify me if my balance dropped below a certain amount, but when I was notified it was alreay after they charged those excessive fees. In addition, when looking at the different transaction they are processing the big $ amount items first so they can collect more in fees. Wi th one of the transacations I endup paying {$35.00} in overdraft fee for a cup of coffee I purchased. I reached out to  them today, but they were unwilling to offer any help even though I 've been a client for over 15 years. Thank you in advance for your consideration.

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 01-07-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Collection Bureau of America Ltd. (TN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: XXXX XXXX in California has been on my report in collections for my refusal to pay charges that are not mine on a account I had with them when my husband and I where XXXX at XXXX XXXX. I had trouble with incorrect billing with them several times and decided to stop my services. The company picked up the equiptment and I thought all was good. Then I get a bill of charges that where still not correct for XXXX. I called them and they basicaly tried to extort money from me stating if I pay XXXX dollars for water usage they would remove the other charges that stated I never gave them the equiptment. I said absolutly not and filed a XXXX complaint. It was resolved yet the company still has been trying to collect for charges that where not valid I was called daily for years on my cell phone and told them I will not pay for charges that I did not make and gave them my attorneys number. I also never recieved anything by mail to prove any charges where valid or where or what they where trying to charge me for because the account was done with and paid and all items picked up. I have had this deleted from expirian yet it remains on the other XXXX major credit. I need to make sure the other XXXX will delete this as well

Company response to consumer: Closed with explanation
Consumer complaint received 01-01-2017 about Credit reporting () with EQUIFAX, INC. (AZ).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: XXXX account reporting late on XX/XX/XXXX and XX/XX/2015 when account was never past due.

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

Complaint: Equifax was hacked and lost the data of approximately 143 MILLION Americans. Their security was not adequate and we the public are put in extreme risk of identity theft due to their negligence.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (ME).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I fell behind in student loans payments, however I consolidated them and have been current ever sense. They have my account marked a negative when it 's not. False information

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 01-04-2017 about Credit card () with AMERICAN EXPRESS COMPANY (VA).
Issue: Rewards

Complaint: American Express offered me XXXX member rewards points, XXXX points after my first {$5000.00} in spend and another XXXX points after my next {$5000.00}. I met both of the spend requirements and received those points, however now, american express has put my account in a review process and frozen all of my points, which include XXXX points that I had prior to this deal and the XXXX points that I just received. I have called and spoke with them to ask them to unlock my previous points ( XXXX ) and make them available for me to use because I need to use them on a flight coming up in 5 weeks, however all American Express keeps telling me is that my account is frozen until the review is complete which could take 6-8 weeks, which will cause me to miss my trip and other issues.

Company response to consumer: Closed with explanation
Consumer complaint received 12-04-2015 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: I have never been In Kansas, Oklahoma ; I was born in XX/XX/XXXX, not XX/XX/XXXX, I have never had any business name " XXXX ''.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12-01-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with HSBC NORTH AMERICA HOLDINGS INC. (IL).
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint: On XXXX/XXXX/XXXX I accidentally paid XXXX through XXXX electronic payment to HSBC card services. My account with them was closed years before. The transaction number was XXXX. I have called and spoke with both chase and hsbc and they bothe said there was nothing they could do and the money should bounce back into my account within a few weeks. I have not received my money back and I am so stressed out. Please help! Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 08/28/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Focus Holding Company (KS).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: this goes back to XXXX from XXXX, an account was opened in my name, i was still in XXXX tx still, it was successfully proved to be false and i was not responcible for it, so XX/XX/XXXX it waS TAKEN OFF MY CREDIT REPORT, remained that way untill recently a shady collection agency focus recieveables management put it back on my report, they have not contacted me by phone or letter, so i wrote them a letter tellin them to verify they have the right to be doing this, they still have not contacted me, these people have so many complaints against them, now i know why, i just want them to stop lying to the credit bureaus and take this off 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 01-11-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (IL).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: Experian XXXX XXXX XXXX several vendors I have repeatedly sent certified letters to the credit unions several certified letters to all vendors in question uncountable number of on line complaints to all I continue to request proof signed credit appls signed loan agreements no one has ever proved any proof and keep refuse to prove it and product anything I signed and refuse to ever look in to it because they keep claiming verified with no proof this must be a criminal act after 18 months. this is so wrong why should I have to pay XXXX dollar for each credit union and each vendor that continue no break the FCRA and FDCPA

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