milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I signed a Financial Disclosure For Reasonable And Affordable Rehabilitation Payments on my student loans with XXXX. XXXX XXXX XXXX, XXXX They based the monthly payment amount on my income. This has been being paid monthly since XXXX/XXXX/XXXX yet it is still showing as a collection that payments are not being made on with all 3 Credit Bureau 's. 
This is incorrect and needs to be fixed back to the date of XXXX/XXXX/XXXX immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02-08-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with AMERICAN EXPRESS COMPANY (TX).
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint: To Whom It May Concern : American Express has deliberately reported false tax information to the Internal Revenue Service and refuses to correct it. 

On XX/XX/XXXX, I settled a past due credit card debt with XXXX XXXX, the authorized collection agent of American Express.The total amount owed on the delinquent account was {$15000.00}. American Express agreed to accept {$3800.00} to settle the account in full. On XX/XX/XXXX, the authorized collection agent was paid {$3800.00}. According to XXXX XXXX at the American Express Corporate Office in New York, American Express received those funds from their authorized collection agent on XX/XX/XXXX. 

American Express was required by law to provide me a cancellation of debt ( XXXX ) form for the tax year XXXX, and that never happened. I requested that American Express send a XXXX correction to the IRS, which would completely resolve the problem. However, she refused, citing some ridiculous internal policy of holding a payment for 10 days after they receive it. 

However the policies of an individual corporation are irrelevant. The debt was legally settled in XXXX, and I claimed and paid the tax due to the Internal Revenue Service for XXXX. American Express decided to willfully ignore that and sent deliberate, erroneous information to the Internal Revenue Service for tax year XXXX, knowing that this information was false. 

XXXX XXXX utterly refused to provide a proper explanation as to why they American Express would not correct this, other than to say " they just won't do it '' or words to that effect. Now, I am left to deal with the mess that American Express has caused me, despite the assurances of the American Express authorized collectors telling me that the XXXX form would be issued for tax year XXXX. 

What astonishing is the simplicity of correcting this issue. The only thing that American Express has to do to correct this is send a XXXX correction form to the IRS. They refuse, and this problem still exists. Not that it matters, but I am a XXXX XXXX veteran trying to do the right thing and file proper tax forms, but American Express doesn't care. 

In addition to the complaint to the CFPB, I also intend on filing a complaint with the Federal Trade Commission, State of Texas Attorney General 's Office ( Division of Consumer Protection ), Better Business Bureau, XXXX XXXX XXXX XXXX, as well as other federal and state agencies regarding the apathetic business practices of American Express.

Company response to consumer: Closed with explanation
Consumer complaint received 02/28/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I decided to try XXXX services for my wife and I so I purchased phones for both of us. After a day or two of trial we felt unsatisfied so we headed back to the store and we returned all items. We got charged with restocking fees and taxes. Later on I got a bill in the mail in which I was being charged {$1200.00} for the returned items. After several attempts of arguing for about XXXX months about whether I owed XXXX or not I was dismissed of such charges, but a month after I was charged by a collecting company called ERC for {$61.00}. I asked them to explain such charges weather if they were fees or taxes and they we unable to disclose information. Therefore, I asked them to send me a bill in the mail with details about the charges, as well as a dispute package and they told me they would send me a bill. About the dispute part, they said that I needed to call XXXX to discuss the charges with them but XXXX said that I had to discuss this with the collecting company. I never received a detailed statement neither a chanse to defend my self about such charges, I checked my credit score and found a red flag in it because of this. 

I am now hoping you may help me with this case. 

Thanks :

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 04/20/2015 about Mortgage (VA mortgage) with NAVY FEDERAL CREDIT UNION (VA).
Issue: Loan servicing, payments, escrow account

Complaint: Navy Federal Credit Union is withholding access to information about my checking accout, apparently in retaliation for refinancing my Navy Federal mortgage with a different bank.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 04/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (DE).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: On  XXXX   XXXX ,  2017 I  sent a letter via certified mail with return receipt to  XXXX  and Equifax Consumer dispute center in regards to removing unauthorized inquiries from my credit report as are my rights under FCRA. On  XXXX   XXXX ,    2017 I re ceived notification via USPS that the letter had been received by   XXXX    and Equifax. I have yet to hear anything from   XXXX   or Equifax regarding this matter. I have not received notification that my dispute has been received. I called  XXXX  and Equifax Customer Service disputes dept on  X/XX/2017   , I was told by a representative that they have not received my letter in regards to my dispute although I have proof that they sign for the certified letter. This is unacceptable and unlawful. My rights have been violated, I am entitled to a response from my inquiry per FCRA regulations.

Company response to consumer: Closed with explanation
Consumer complaint received 03/24/2017 about Bank account or service (Checking account) with CITIBANK, N.A. (CA).
Issue: Account opening, closing, or management

Complaint: Signed up for a {$400.00} checking account signon bonus in XX/XX/XXXX. As of XX/XX/XXXX I have yet to see the bonus credited. From day 1 I should have realized banking with Citibank was a mistake as they took forever to put in my initial deposit which was in the online application, but somehow overlooked. A trip to the branch could n't even get the initial deposit completed and I had to personally call their XXXX number to get it done. Citibank also had very poor handling of new accounts created online and never sent out any confirmation of account opening. Now come XX/XX/XXXX and I 've been patiently waiting for their bonus which they say they will credit, but they keep sending the issue to research and it is yet unresolved. First they say they do n't have a XXXX form, which I filled out within two weeks of opening the account and handed personally to an account representative at their local branch. That means their online banking entity is completely separate from their branches or their system is so poor that they are n't in sync. I mailed another form in and after calling them they confirmed that they received it but still waiting for that bonus to be funded. A week goes by and now it is high priority researching status again. My experience with you shows you are unprofessional, unreliable, have poor communication, inefficient, and not trustworthy to do business with. No way do I want my money in your bank. Citibank you have totally lost me as a future customer.

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 03/29/2017 about Debt collection (I do not know) with SUNRISE CREDIT SERVICES, INC (CO).
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint: I keep receiving calls from different numbers. They will only tell me their first name and will not tell me the company they work for unless I verify who I am. I looked up one of the numbers on line and it leads to Sunrise Credit Services, Sunrise Credit Services , Inc. 
Address : XXXX, NY XXXX Phone : XXXX

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 08-03-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with First Credit Services Inc. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: In XX/XX/XXXX I tried to cancel a gym membership at XXXX in XXXX XXXX because I moved out of state in XX/XX/XXXX. I followed all the instructions to cancel my membership, paid I paid a {$50.00} cancellation fee, a check for {$100.00} and {$79.00} for membership dues outstanding. All of these checks were cashed by XXXX XXXX, the financial company for XXXX XXXX. I also mailed a copy of my XXXX ID and a letter expressing my wish to cancel by certified mail as they requested. XXXX XXXX continued to send letters saying my account was past due. When I called to find out if they received my cancellation letter, they said my XXXX ID was not readable, and therefore they could not cancel my membership! In XX/XX/XXXX, I received a notice from a collection agency called First Credit Services, saying that I owed XXXX {$1400.00}. I ignored this notice, not realizing that this would turn up on my credit report and ruin my credit rating. This company is very disreputable and I made every effort to cancel my membership. I do not know what to do at this point but strongly dispute the claim that I owe them any money at all.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/26/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH).
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: NOTATION : This is a CHALLENGE and NOT A DISPUTE I am always CHECKING for TOTAL COMPLIANT & CERTIFIED COMPLIANT REPORTING that gives testimonial and irrefutable PROOF of the undeniable TRUTH, correctness, completion, timeliness, ownership of, responsibility of, and compliance and or else wise for any and all items accused, even any and all aspects of allegations. 
Per Federal reporting regulations and the MANDATED COMPLIANT XXXX XXXX format reporting standards of practice any and all items of adversary or derogatory nature must be certified as entirely true, accurate, complete, timely, of documented ownership, of undoubted responsibility, and documented testimonial certificate of compliance marking undeniable lawful standing of claim ( s ). Per law, any deficient of substantial and evident matters of fact ( s ) would be unethically reported and even illegally reported. My state and the federal laws alike agree that neither willful nor ignorant disregard is acceptable, so I demand here today, even RIGHT NOW, that the allegation in challenge be eradicated in full or else wise demonstrated in it's entirety to be compliant in every aspect of its reporting. To retain much less report otherwise would be a vile misrepresentation and done so in unlawful and injurious infraction of mandated compliance laws. The currently unfounded and even not certified true or correct misinformation of which is misreporting is attached to this complaint and must be deleted immediately, so please do so without delay. 
I have attempted to resolve the issue directly with the respective parties, however found that they were non-compliant as per the FCRA and CROA requirements

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 02/16/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with LJ Ross Associates (AZ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Debt was paid to original creditor directly and now L J ROSS ASSOC is holding my credit report hostage because I did not pay them my debt directly ... although I paid the debt off in full to original creditor ... .who agreed to have it removed from my credit report ... had I paid L J ROSS ASSOC directly it would have been removed from my credit report. L J ROSS ASSOC is holding my credit report hostage out of retaliation for me not paying the funds to them directly. It is a harassment tactic to bully those who pay off their debt to original creditor directly. All other collection agency that I paid directly on my credit report removed those items of collection from my report except L J ROSS ASSOC ; whom I did not pay directly.

Company response to consumer: Closed with explanation
Consumer complaint received 12/14/2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (MT).
Issue: Credit line increase/decrease

Complaint: I rented a car from XXXX and they asked me for a credit card ( Capital One Card ) to place a " hold '' on until I returned the car. At the time of return, I had been told I could pay in cash but they ( XXXX ) said they would not accept cash so I gave them a different card ( XXXX XXXX ) because the amount was over my limit on the Capitol One card. I advised the merchant not to charge my Capitol One card and the representative agreed. I left the car rental company thinking everything was taking care of until I checked on my Capital One card and it had been charged for the car rental and was well over my limit which I did not agreed to and I did not authorize. I disputed the charges.

Company response to consumer: Closed with explanation
Consumer complaint received 11-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (PA).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: I have mailed out time after time the right information of employment with Company name address phone number and still on my credit file there is wrong information of places I work for that are wrong and not the company I work for. 

Time after time the credit Bureaus create hospitals as staffing company 's as the names are not right after I have giving the right information. 

I have enclosed another copy of current and past employers with right name spell and address I want proof of the company 's on my file as right or deleted I have been sending the right info and it never gets updated as right.

Company response to consumer: Closed with explanation
Consumer complaint received 01/14/2016 about Credit reporting () with EQUIFAX, INC. (IL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I 've spent XXXX of dollars trying to repair my credit from identity theft and fraud that have happened in the past. I sent several documents including my FTC affidavits and dispute letters which I sent to the alleged creditors and it appears they are in some kind of ponzi scheme or false deception against the people to not disclose valid information or not investigate validate any proof verified and signed by a witness of a notary. My identity was stolen and I gave the credit reporting agencies all related information, I 've had cars purchased in my name, XXXX bankruptcy cases filed, phone accounts from XXXX and XXXX. I have a judgement that I have no knowledge of, I sent a XXXX XXXX-search from the secretary of State of Illinois and no debts were on file from any corporation. The reporting agencies are not following lawful procedure. I advised the reporting agencies that XXXX student loan accounts were past the statue of limitations 84 Stat Public Law 91-508 Section 605. The student loan accounts on the report that says paying as agreed and also report 120 days past due with a {$0.00} balance for each account. The information being reported is not accurate information. I have been a victim of fraud and contacted the FTC all these illegal actions are hurting me and my family. I have never filed for any bankruptcy at any time and do not know how all these accounts are being opened in my name fraudulently. Do you have PROOF of your claim : a contract wet signed, dated, by both parties, with a clear offer, acceptance and lawful consideration? Do you have PROOF of authority : evidence which shows I have given my consent for you to proceed against me and for me to be dictated to by you? May I remind you slavery has been outlawed since the XXXX no free peoples can make demands upon another free peoples, unless one of the free peoples has given that consent to another and PROOF of that consent can be provided in the form of a lawfully binding contract. If you take action from this moment on you MUST be CERTAIN you can answer yes to the above two questions. You will be required to in court. These are the questions asked in documents sent out to the credit agencies and the alleged creditors. I am the creditor and not the debtor for the record. I have full faith and credit according to the Department of State and the Executive Office State of Illinois. They are ignoring the facts and the law.

Company response to consumer: Closed with explanation
Consumer complaint received 06-01-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (IL).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint: After receiving an enticing credit card offer of " {$150.00} cash back bonus after {$500.00} of purchases within 3 months of opening credit card '', I applied for the Chase Freedom Unlimited credit card in XX/XX/XXXX and became a credit card holder on XX/XX/XXXX. <P/>I only applied for the credit card in order to receive the {$150.00} cash back bonus that was advertised on the offer I received in the mail. I used the offer letter and reference number to apply online as the letter described to do. <P/>Once accepted, I received my card and made over {$500.00} in purchases within the first 3 months of becoming a cardholder. The offer stated that after making the {$500.00} in purchases within 3 months, that I could expect to receive my {$150.00} cash back bonus within 6-8 weeks, in the form of bonus points. <P/>I called today because I qualified for the {$150.00} offer on XX/XX/XXXX ( which is 90 days after becoming a cardholder ) and the letter states to expect the reward within 6-8 weeks of qualifying, which would have meant I should have received the bonus by XX/XX/XXXX, at the latest. <P/>When I called today, I spoke to someone and explained everything and then I was told that " they do not see a bonus offered to me '' anymore. I was furious and asked to speak to a manager. I was transferred to account supervisor, XXXX from XXXX XXXX, TX ( Reference : XX/XX/XXXX ). She was so unhelpful and not empathetic or understanding, at all. She had no intention to truly hear me out or make Chase 's  wrongdoings right. She just kept telling me the same thing ... that she " does n't see the offer anymore and that it has been 90 days so she ca n't help me at all and no one else can ''. <P/>I just felt so taken advantage of and scammed. I did everything by the book from the moment I received the letter in the mail. I went online and researched and saw the offer was true according to Chase website, so I applied using the offer letter sent to me. Then, I spent over {$500.00} within 3 months, and finally, I waited 6-8 weeks to receive my bonus. But, ultimately, I never was given what I rightfully earned and what was physically presented and offered to me. I even asked XXXX, " what could I have done differently to received what was offered to me ''. She did n't even have an answer because I followed all the fine print word for word. <P/>I am very upset and feel helpless. I was hoping that speaking to a Chase supervisor would help but it ended up being more disheartening to hear a supervisor tell me " there 's nothing I or anyone else can do '' to correct this. I wanted to cry, really ... <P/>Can you please help me? The supervisor even told me that they have records of the original offer letter sent to me. I just do n't understand how they can do this .... <P/>Thank you for reading and for any help with this situation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/28/2017 about Credit reporting () with PNC Bank N.A. (OH).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: Loan is was closed and is still listed as a home equity and it is not.

Company response to consumer: Closed with explanation
Consumer complaint received 10-09-2017 about Student loan (Private student loan) with Navient Solutions, LLC. (MI).
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint: I signed up for classes at a school name XXXX XXXX XXXX here in XXXX, Michigan, and I was pretty much tricked into taking out a student via XXXX XXXX and the school was part of a Ponzi scheme, and it closed without warning. I had filed for bankruptcy and tried to get rid of the student loan debt ; but it did not work, so I filed for a adversary proceeding in court against XXXX XXXX back in XXXX/XXXX ; There was a lawsuit filed against this school for breach of contract and misleading students ; I went to court to try and discharge the loan. I also had a Federal loan as well, but this was in regards to the Private loan ; I continued to pay on the federal loan as agreed with the judge ; and the judge told me to submit discharge papers and information to XXXX XXXX ; they have been giving me a head time ; the courts awarded a judgment in favor of the students, but XXXX XXXX, now Navient will not discharge the loan ; they are claiming I was not enrolled, when I was ; obviously there is a loan right, that 's proof right there. If you review the case you will see the court ruled in our favor, and I have been sending Navient excerpts from the court proceeding as well as the article about this Ponzi scheme and they still refuse to work with me and remove the loan from my records. It has damaged my credit and they will not work with me and its frustrating. I see all of the lawsuits in the news about Navient, not willing to work with people and forgive the loans ; what can be done to help get this off my records. I would greatly appreciate your feedback.

Company response to consumer: Closed with explanation