milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/25/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (MA).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: We had a parents loan and payed it off in XXXX 2016. I forgot to put the account # on the check but it was cashed by Navient. It was never a credited to our account. We are being harassed by " Student Assistance Corporation '' with phone calls and emails. We have called Navient numerous times and they pretend this is all news to them and then I ask for a manager and ask them to check the notes on the file and they agree we have called numerous times and they will fix the situation. One month later the phone calls start again and when I call they never " recognize '' the name of the person who promised to fix the situation. Amazingly they do n't know what we mean when we tell them we have a " cancelled check '' for the exact amount.The phone calls are relentless and frustrating because we have paid this in full back in XXXX and we do n't want to be penalized on our credit rating. I have asked for the name/department to appeal this issue and they tell me there is no way to file a complaint. How is that possible? Why were they ever given this contract? We signed the loan with the department of Education.

Company response to consumer: Closed with explanation
Consumer complaint received 01-02-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint: The Equifax " security incident '' resulted in their offer to provide their TrustedID Premier security monitoring service for one year at no charge. 
When I attempted to take advantage of their offer to safeguard my information that THEY put at risk, they required even MORE confidential information as a requirement to enroll. Not only did they require my personal email address and social security number, but they also wanted my personal cell phone number. 

I called their support line ( XXXX ) seeking assistance in waiving the phone number requirement. I phrased it as a general question, but " XXXX '' ( sic ) wanted my email address and full SSN! " This call is being recorded, so it is safe. ", she said. Are you kidding me? Obviously, no information is safe with them. I am surely not going to give that kind of information over the phone to a call center employee! 

Equifax is making things worse by requiring even more personal information. Is there any thing that you are doing to make it easier for victims of the incident to enroll? 

Just curious : Is there any way to force Equifax to purge their files of all of my personal information?

Company response to consumer: Closed with explanation
Consumer complaint received 12/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Navient Solutions, LLC. (CO).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XXXX XXXX is the business and the date is XXXX XXXX, XXXX! I wasnt even in Kansas and if i was i lived in XXXX  XXXX, Ks! The amount is XXXX dollars and its fraud! The company is 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 09-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: I have contacted XXXX credit reporting a few times requesting that they please report my XXXX account onto my credit report. This credit card has a XXXX balance on it and will help my XXXX credit score. I was told I need to contact XXXX and have them report it to XXXX. I contacted XXXX and was told they do report to all 3 credit reporting agency 's. I explained that this account is not reporting to XXXX. I could not get any help. I called back XXXX and explained what XXXX told me and they could n't help. I am submitting this complaint because I want this account to report on my XXXX credit report.

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 03-02-2018 about Debt collection (Other debt) with Convergent Resources, Inc. (NY).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Repeated phone calls from XXXX to my place of employment stating that I owe a debt. Which is false. I called the telephone number referenced above asking for information in reference to the debt and was hung up on.

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 04-06-2016 about Debt collection (Credit card) with STERLING JEWELERS, INC. (VA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: i keep getting phone calls from a debt collector for kay jewelers, today they have called 10 times today and when i do n't answer they keep calling from different numbers. they then call private and if i answer they hang up and i instantly get a call with the number showing. it is beyond harassment when i ca n't focus in class because my phone keeps buzzing every 10 minutes. i also make payments when i can, i explained to them that I am currently not employed but whenever i get money i put something down so i do n't understand the harassment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/14/2016 about Consumer Loan (Vehicle loan) with ALLY FINANCIAL INC. (OH).
Issue: Managing the loan or lease

Complaint: Ally Financial blocked me from viewing past payments history online, to see if there 's any missed payments on the account.According to the [ EUTA ]. 
Electronic and Record Act I should be able to access and retrieve records / data online if I did business electronically with Ally via. eBill, email or any other type electronic transactions. Ally Financial used my personal authenticity [ username and password ].

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 02/27/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: As you can see in my original and continued documentation that I sent repeatedly to Transunion, they have violated the FCRA by not providing me the proof of validation of the incorrect information reported on my credit report. 

I want the incorrect items deleted or I am pursuing legal remedy.

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 Bank account or service (Checking account) with BANCORPSOUTH BANK (MS).
Issue: Making/receiving payments, sending money

Complaint: Hello, I am disputing the charge of {$1000.00} charged on XXXX XXXX, 2014 by merchant XXXX XXXX with my bank ( Bancorp South ). For detailed information please refer to the attached document. 
Best Regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 08/13/2016 about Credit card () with AMERICAN EXPRESS COMPANY (MO).
Issue: Rewards

Complaint: I recently signed up for an American Express card. I have a screenshot of the details of the offer which was receive XXXX membership rewards points after making {$3000.00} in purchases in the first 3 months. I spent over {$4000.00} in less than 3 months and AMEX will not release my membership rewards points. They 've informed me multiple times over the phone that there is a 8 week holding period before these points are released, despite saying nothing about this in the terms and conditions. Today is the end of that eight weeks and they are still holding my points. This feels like false advertising to me. I 'd like to open a complaint against AMEX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09-03-2016 about Credit card () with JPMORGAN CHASE & CO. (UT).
Issue: Billing disputes

Complaint: I am curious why my payment, again, is due back to back with you guys. I would like someone to make contact with me. I have never had this issue with anyone before.

Company response to consumer: Closed with explanation
Consumer complaint received 04/18/2016 about Money transfers (Domestic (US) money transfer) with PAYPAL HOLDINGS INC. (OH).
Issue: Wrong amount charged or received

Complaint: I received the following email from PayPal ... .. 
PayPal Hello XXXX XXXX : We 're emailing you because of a legal settlement between PayPal and the Consumer Financial Protection Bureau, a federal government agency that enforces laws that protect consumers. Under this settlement, you are entitled to a refund of {$4.00} related to your PayPal Credit account. On XXXX/XXXX/16 we credited this amount to your PayPal Account, plus an additional {$1.00} to cover any fee should you elect to withdraw this refund amount from your PayPal account via check. 

If you have any questions regarding the refund please contact PayPal Customer Service at XXXX from XXXX XXXX to XXXX XXXX XXXX XXXX Monday through Friday, or from XXXX XXXX to XXXX XXXX XXXX Time Saturday and Sunday. 

You can learn more about the Consumer Financial Protection Bureau at http : //www.consumerfinance.gov. You can also see a copy of the settlement agreement PayPal entered into on the Bureau 's website at http : XXXX. 
========================================================== The way I read it, I should get {$4.00} plus {$1.00} for a total of {$6.00}. 
What I received was {$3.00} plus {$1.00} for a total of {$4.00}. 
Is this in error? Did I read it wrong? Did they print it wrong? 
No biggie for me ... but, what about those who spent thousands???

Company response to consumer: Closed with explanation
Consumer complaint received 05/21/2017 about Mortgage (Home equity loan or line of credit (HELOC)) with Deutsche Bank (PA).
Issue: Trouble during payment process

Complaint: Deutsche Bank has charged me {$4700.00} in my mortgage escrow for lender-placed insurance when I in fact had insurance during that period through my local agent. As you know, it is illegal for someone to be charged twice for insurance for the same house. I have complained to Deutsche Bank for more than a year about this, but they refuse to do anything to refund the escrow overpayment. Enclosed are documents, one from Deutsche Bank and  one  from my local  XXXX   XXXX  agent, that tell the story.

Company response to consumer: Closed with explanation
Consumer complaint received 03/23/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I have sent ( 6 ) disputes to Transunion requesting the Method of Validation/Verification used to validate an account on my credit report.. The account in question is XXXX # XXXX ( dba XXXX ). Disputes were dated XXXX/XXXX/XXXX, XXXX, XXXX/XXXX/XXXX and XXXX/XXXX/XXXX and the only response I keep getting is a new credit report that states " verified, no change ''. I have asked them repeatedly to show me how ALL my requests come back verified, who have they spoke with-if they spoke with anyone give me their info, the means of communication because the XXXX system is not always accurate. I have ask them under FCRA Section 611 ( a ) ( 7 ) to show me their method as in locating the necessary original physical documents of how the info was " verified and/or validated '' to them as per my other five requests.

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 12/26/2017 about Debt collection (Credit card debt) with PORTFOLIO RECOVERY ASSOCIATES INC (FL).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: I keep receiving phone calls from Portfolio Recovery, even though I keep telling them that they are calling my cell-phone, and that I want them to stop calling me at this number. The most recent call was from ( XXXX ) XXXX, and the caller stated that her name was " XXXX XXXX. '' I informed her that I have repeatedly told Portfolio that they are not permitted to call me on this number, and they refuse to comply.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/26/2016 about Credit reporting () with EQUIFAX, INC. (OH).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: This was never reported to the credit bureau by the presiding judge. It needs to be removed, and Equifax is refusing to remove it. I have disputed this with Equifax , with evidence, I have disputed this with CFPB with more evidence, and I am disputing it again. This is incorrect and if it is not removed in 24 hours, I am contacting my attorney, XXXX XXXX, to sue Equifax for damages for illegal reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 10/19/2016 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (CA).
Issue: Problems caused by my funds being low

Complaint: Wells Fargo has every right to impose a monthly service fee on their customers however, that fee is really only applied to their poorer customers who ca n't meet certain financial requirements and are told to pay the fee or forced to jump over many obstacles in order to avoid the fee. By legal definition that is considered class discrimination. ( All Wells Fargo accounts have monthly service fees but customers can avoid those fees if they meet certain financial requirements. However, if your become poor and fall short of the financial requirements then your account is charged a fee and if you want to avoid that fee you must jump over multiple obstacles ). So in other words Wells Fargo 's wealthier customers get to keep their money at Wells Fargo for free but the poorer customers must pay a fee. I have been dealing with this complaint for over 5 years and nothing has changed. I have written to and spoken with over XXXX employees about my concerns. From supervisors to managers to their executive office but instead of Wells Fargo understanding my concern and helping me they instead bully me and have ignored me. This needs to stop because Wells Fargo has become to big and thinks they no longer have to adhere to our laws.

Company response to consumer: Closed with explanation
Consumer complaint received 01-09-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: A collection account was added to my Transunion credit report on XXXX/XXXX/XXXX. By collection company called XXXX for the amount of {$1600.00}. A debt that has already been paid for by my insurance company back in XXXX. Placing the account at a zero balance. Although this account has been paid. The collection agency keeps reselling the account. Causing it to repair on my credit report. It is unlawful for a credit reporting agency to report inaccurate information on a consumer credit report. Ive contacted Transunion on numerous occasions regarding ths matter. Not only were their dispute department representatives rude. But they refuse to help me get this issue resolved resulting in me filing a complaint with your agency. The account was originally handled by XXXX XXXX who later sold the paid medical account to 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 06/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CAPITAL ONE FINANCIAL CORPORATION (MD).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: On  XXXX / XXXX / XXXX  i made two pay ments to Capital for {$75.00}, i cancelled one  but the other went through, to my account ending in  XXXX . I was told it was reversed but i have proof  one of the two w as resolved in a screenshot / I received an  XXXX  report on  XXXX / XXXX / XXXX  stating my request to investigate this error has been received. Since the n ( 7 mo nths later ) i have had my lawyer se nd 4 to 5 lette rs asking for an answer with no resolve.     Pleas notice in the document uploaded that there a re two paymen ts on  XXXX / XXXX / XXXX  for {$75.00},  one is cancelled one is  accepted, it is the one that is accepted that i am referring to as the payment i made. Thank you

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 EQUIFAX, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: There are many mistakes appear in my report without my understanding.

Company response to consumer: Closed with explanation
Consumer complaint received 09/25/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (VI).
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint: This call was regarding the issue back in XXXX when I found out that Transunion had a glitch in there system that deleted all inquiries. By law they are suppose to notify customers about reinserting information on there reports and to date I have not received any notification. I call to ask to have my inquiries removed and they were giving me the XXXX degree and I still was n't successful.

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 06/20/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with ENCORE CAPITAL GROUP INC. (MD).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I have sent XXXX written request for Validation of Account, and Midland Credit Mangement has not provided me with the requested information, such as, signed contract, payment history, proof of ownership and all the requested documentation. Please see attached letters. This collection agency has placed this debt on my credit reports without validatiing the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 10-02-2017 about Debt collection (I do not know) with Aspen National Financial, Inc. (FL).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I was informed that the statement they sent was the third but I only received that one dated XXXX XXXX, on XXXX XXXX, XXXX. 
I called and explained to the person I spoke that I already paid Timeshare maintenance fee online to XXXX XXXX website and was not aware of a separate payment for tax. 
I informed them that I can afford to pay the {$120.00} tax but not the interest and additional fee for a total of {$160.00}. They refused and informed me that it is not negotiable.
I feel that it is unfair that a bill for {$120.00} was referred to a collection agency when I already paid the balance we owe online. I am not aware of the {$120.00} since no bill came to my address. There is another same street number in this subdivision and if they said it was mailed, then it 's possible that it went to another address. Therefore, I feel like I am not responsible to pay any interest nor the fee.

Company response to consumer: Closed with explanation
Consumer complaint received 09/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: All three major credit bureaus have illegally hoarded consumer 's personal information without this Consumer 's expressed written consent. Pursuant to the 1974 Privacy Act all 3 credit bureaus violated all privacy rights and allowed personal information to be leaked due to their false and misleading ways. According to the Fair Debt Collection Practices Act all three credit bureaus maliciously and collectively shared this Consumers personal information to make trillions of dollars by selling it to various debt collectors, employers, financial institutions, and a host of others. My wish is for the Federal Trade Commission to demand on my behalf that all 3 credit bureaus remove all of this Consumer 's social security numbers, date of births, financial accounts or credit/debit card numbers, driver license numbers, detailed health or medical history or similarly sensitive information. All relations with these 3 credit bureaus are now in question for reporting fraudulent information to disgrace this Consumer. Consumer wishes for damages of XXXX XXXX XXXX from all 3 credit bureaus for their Treasonous deeds and all will be forgiven. The consumer would also like to thank the Federal Trade Commission for protecting her/his Personal information, Family, and Household.

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