milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04-08-2016 about Credit card () with DISCOVER BANK (SC).
Issue: Cash advance

Complaint: I was scammed. I took a {$2500.00} cash advance on my Discover card. I was skeptical but I sent the money to the scammers. They then payed off the {$2500.00} on my Discover card & told me to get another {$2500.00} cash advance. I called Discover to see if they could put a hold on any cash advance untill the scammers payment cleared the bank. They said there was no way to do that, I would just have to check back to see if it cleared yet. The next day, the scammers said they talked to Discover & got it cleared. I called Discover and they said yes, the payment had cleared. Discover had lied, the payment had not yet cleared. The scammers put a stop payment on it later. Because Discover lied about the payment being free & clear I believed the scammers were telling the truth. I took out another {$2500.00} cash advance because the first advance was payed off free and clear and could not possibly come back to me. I sent the scammers the {$2500.00}. They paid it off once more and my balance dropped to {$0.00} again. The first {$2500.00} had been paid and Discover said it was free & clear ( this was a lie ) so I believed these people and got another {$2500.00} cash advance. So I should have ended up with a {$2500.00} balance plus {$120.00} cash advance fee for a total of {$2600.00}, which I had the next day. One day later my balance was {$5200.00}. the next day my balance was {$7800.00}. I called Discover and said because they lied to me about the payment being cleared when it had not yet cleared that I was only liable for {$2600.00}. They insisted I owe them {$7800.00} because there was stop payments made on the payments. I said if stop payments were made then you lied to me about the payment being free and clear and that makes Discover card responsible for the {$5200.00} not me. They disagree.

Company response to consumer: Closed with monetary relief
Consumer complaint received 04-04-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: XXXX is reporting the same account twice to the credit agencies. I only have One open credit card account with XXXX. The account was open XX/XX/2015, balance {$1000.00}. 

XXXX XXXX is not reporting my XXXX XXXX XXXX credit card to all three credit bureaus. Balance is {$500.00} XXXX is not reporting my XXXX XXXX XXXX credit card to the credit bureaus. Balance is {$1500.00} XXXX  XXXX XXXX is not reporting my XXXX XXXX Credit card to all credit bureaus. Balance is {$2200.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: On XX/XX/XXXX we had a severe thunderstorm that XXXX my 2 yr. old XXXX XXXX 49 '' lcd TV. I have supplemental Home Insurance Coverage w/ XXXX XXXX XXXX. in XXXX. XXXX Fl . -XXXX-XXXX-XXXX-XXXX- Acct. # XXXX. I called to file a claim, the automated voice asks problem, if TV press certain #. Spoke w/ Cust . Svce. who advised " claim denied- TV 's not covered '' .Their Booklet shows items covered w/ ELECTRICAL SYSTEM listed.When I joined in XX/XX/XXXX I was told by Cust. Svce that " ANYTHING connected to Electricity or Water was COVERED-Period ''! I complained via their Website Email today XX/XX/XXXX.
I was unable to find a local TV Repair so I went back to XXXX XXXX in XXXX, NC XXXX XXXX XXXX XXXX where I had bought the XXXX in XXXX. It was out of warranty so I asked for a low cost replacement- ( retired- $ limited ) .I have a XXXX XXXX Card that I have used for years to buy printer ink- also exchanged a defective Printer twice recently. I found a similar XXXX XXXX & requested a 2 yr. Finance Contract-same as I used 2 yrs. ago.
The request was denied by XXXX XXXX/ XXXX XXXX - Acct. Closed. The sales person re- entered the info requesting a new Card. Denied again. I had gotten " over my head '' w / 2 Credit Cards ( my fault ) & was advised by an Attorney to file Chap. XXXX. I did & it was dis- charged XX/XX/XXXX. but to this date XXXX XXXX has REFUSED to report my XXXX debt which was paid offXX/XX/XXXX up to this date. I explained this to the salesperson -nothing they could do- & purchased an Open Box ( returned ) similar TV for {$450.00}. Finally, as for this credit problem, I am looking to trade my XXXX XXXX  for a less expensive model which will lower my expenses by aprox. {$300.00} a mo. I have NO bills since Chap. XXXX & have never missed a pymt. with ANYONE. My SSI & Pension are {$2000.00} NET a month, my Current Credit Score is XXXX Trans Union, XXXX the XXXX others. Since the XXXX rejection I 'm afraid I may not be able to make the car trade w/ a Co. like XXXX XXXX ( lower rates etc ). I should be able w/ XXXX since I 've been with them 2 yrs. & have saved {$2000.00} DP for a XXXX model- selling for {$12000.00} Max. That 's my story.

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 01-05-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (LA).
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: Dear sir or madam, I have reached out to your company about 6 times in reference to these accounts, XXXX XXXX XXXX and XXXX XXXX XXXX, that these debts are not mines!! the company XXXX XXXX XXXX is collecting for a leased apartment in phoenix Arizona where i never lived and the same for XXXX XXXX XXXX.. I have provided you with my past lease of my address here in XXXX XXXX where i have lived for the past 6 years. XXXX XXXX XXXX is charging me an outstanding amount for a debt that is not mines!!! {$46000.00} where in the world would you think i would lease an apartment in Arizona where i have not lived which means the apartment would have been {$3800.00} a month, i do n't make that much in a month let alone to pay rent for that high amount!!! I guarantee they can not verify that i lived there with out a lease with my drivers license and signature. The company XXXX XXXX XXXX is charging the debt to me for is no longer in business and you are reporting negative information that is a defamation of my character. Im a single mother trying to start my life again and these accounts are detrimental for me and my kids ... XXXX XXXX XXXX have charged me for a lease that 's not mines as well. Please have them validate correct or delete now!!!. i have included my lease from my pass address where i lived including the calculations and research from these supposedly apartments these creditors have purchased debt not mines ... thanks 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 non-monetary relief
Consumer complaint received 11/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Clarity Services (AL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have 2 Hard inquries on my credit report from XXXX XXXX XXXX. 
Dates include XX/XX/XXXX & XX/XX/XXXX I have never given these people permission to run my credit nor do I even know who or what this company is besides what I found on XXXX about them. It has caused my credit score to drop.

Company response to consumer: Closed with explanation
Consumer complaint received 04-11-2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: I reached out to TransUnion today about the following accounts and they would not take care of me. 
XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX, AL XXXX ( XXXX ) XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX XXXX XXXX, TN XXXX ( XXXX ) XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX XXXX XXXX, MI XXXX ( XXXX ) XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX XXXX XXXX, AL XXXX ( XXXX ) XXXX XXXX via XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX, OH XXXX ( XXXX ) XXXX XXXX via 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 02-02-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I mailed several certified letters over to each credit bureau since XX/XX/2017 and every month there after. To only receive verified credit reports. Your company has pushed me to take legal actions against you due to breaking and violating my rights within The FCRA FACTA. You must take the proper protocol and take the correct steps in verifying a consumers debt. You must also get consent from the consumer in order to touch a credit file. It seems that you never attempted to contact me nor did you follow any directions. The law states if you cant verify a debt it must be removed immediately. I am distress and living miserably due to error accounts that you are reporting inaccurately. I have contact the attorney generals office, filed a lawsuit at the XXXX XXXX County Courthouse, i also filed a complaint with the FTC. You are reporting several addresses on my account inaccurately, this is the correct address XXXX XXXX XXXX XXXX FL XXXX. The accounts that are inaccurate and I am unaware of the accounts listed in the attachment below.

Company response to consumer: Closed with explanation
Consumer complaint received 01/14/2016 about Debt collection (I do not know) with Account Discovery Systems, LLC (FL).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: This company will not state who they are and what kind of " account '' they hold for me. They are also contacting family members on their personal cell phones regarding getting in contact with me.

Company response to consumer: Closed with explanation
Consumer complaint received 05/21/2017 about Student loan (Federal student loan servicing) with AES/PHEAA (CA).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: For nearly 3 months I have been dealing wit h Fedloan to try to change my income-driven repayment plan from IBR to PAYE . On numerous occasions I have been given incorrect information which has delayed the process, and has kept me in forbearance when I should be making payments. In general, the customer service representatives seem to be completely uninformed about their own policies. I have called in multiple times in a single day, getting a different answer from each customer service representative that I speak to. Once I was told they would mark my account for " expedited review '' since it had been so delayed. I called back the same day and was told by a different person that there is no such thing as " expedited revi ew '' at Fedloan. Now a fter 3 months, I 'm finally to the point in the process where I can pay the mandatory one-time reduced payment of {$5.00}, so that I can enter my new income-based repayment plan ( online calculator says I can expect to pay about $ 400 /mon  th  ). The bill for the {$5.00} was posted to my account on  X/XX/17   , and I paid it on  X/XX/17   . On  XXXX , I then got a new notice from  Fedloan  that my next bill is due   XX/XX/XXXX ,  in the amount of {$3900.00}. I called to ask how that amount is possible, and was told that I " paid the {$5.00} bill too early, and should have waited until  XX/XX/XXXX . '' I asked to speak to a manager, but no managers were available. I was never told to wait until  XX/XX/XXXX  to pay the bill, despite having many conversations with multiple Fedloan customer service reps about it. Nothing on the bill said to delay payment until  XX/XX/XXXX . My online payment went through and was taken out of my account immediately, and I received a confirmation of successful payment. Why would n't they delay the transaction until  XX/XX/XXXX  if that was required? They have my {$5.00}, I just want them to apply it appropriately and let me start my PAYE repayment plan.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/25/2016 about Bank account or service (Checking account) with CITIBANK, N.A. (VA).
Issue: Account opening, closing, or management

Complaint: On XXXX/XXXX/XXXX, I opened a citibank citigold checking account under a promotion code XXXX which offers XXXX AAdvantage ( R ) bonus miles. Before I opened the citigold checking account, My husband had a online chat with customer service representative XXXX on XXXX/XXXX/XXXX. We were confirmed by XXXX that " This promotion is for all existing credit card members who do not have a consumer Citi checking account. '' " Here are the Required Behaviors to earn XXXX XXXX Miles. 
Open a new Regular Checking account in the Citigold Account Package by XXXX/XXXX/XXXX. 
Within 60 days after account opening : complete Qualifying Debit Card Purchases of {$1000.00} using the Citibank Debit Card which must be posted to the new checking account. 
And 1 qualifying bill payment must be posted to the new checking account each month for two consecutive calendar months. '' I never had citigold checking account before and I have citibank credit card. I meet all the promotion requirements so I opened citigold account on XXXX/XXXX/XXXX. After I opened citigold checking account, I met all the requirements. On XXXX/XXXX/XXXX, I got confirmed written secure message that " Yes, as of XXXX/XXXX/XXXX, you did meet the final transaction for your offer. These XXXX bonus miles will be credited 90 days from your ending statement period. This is no later than XX/XX/XXXX. 
XXXX XXXX, I am glad I was able to confirm your miles to be credited to you. ". I did n't receive XXXX american airline bonus on XX/XX/XXXX and sent an secure message to ask why on XXXX/XXXX/XXXX. I was very surprised to be told I was not targeted for the promotion. We were clearly told by citibank customer service representative XXXX that " This promotion is for all existing credit card members who do not have a consumer Citi checking account. '' on XXXX/XXXX/XXXX. Also I was confirmed via secure message that " I did meet the final transaction for your offer. These XXXX bonus miles will be credited 90 days from your ending statement period. This is no later than XX/XX/XXXX. ". I have everything in writing. Since XXXX/XXXX/XXXX, I have asked citibank many times about the status of XXXX XXXX bonus miles. As of today ( XXXX/XXXX/XXXX ), citibank is still not honor what they promised. I feel it is not fair.

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 01/14/2017 about Prepaid card (Gift or merchant card) with AMERICAN EXPRESS COMPANY (PA).
Issue: Fraud or scam

Complaint: I have an American express gift card and seen that my balance after using it was lower than what it should have been. I went on the American express gift check your balance website and seen that there were XXXX identical transactions made on XX/XX/2016 each for the amount {$100.00} that I have not made.

Company response to consumer: Closed with explanation
Consumer complaint received 01/22/2018 about Debt collection (Medical debt) with I.C. System, Inc. (UT).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: IC Systems is reporting 4 collections on my credit and they will not tell me what they are for. All my collection are paid or taken care of through the hospital/insurance. I do not know what the debts they are reporting are for and when I call them they tell me to call XXXX. When I call XXXX they tell me they have no debts matching those amounts and they are unaware of them. 
I do n't think it is fair that they can report whatever they want and not prove that the debt is valid. I am contacting my attorney and I am also filing complaints against them with the attorney general.

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 04/27/2017 about Debt collection (Medical debt) with Millco Management (AL).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: Amerifinancial solutions is reporting accounts on my  XXXX  report. The address   XXXX   is listing for,  XXXX  to contact them is not A GOOD ADDRESS. I sent company a validation letter and received envelope back stating no account. How am I able to get this date validated if I ca n't reach them?

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 03-05-2018 about Payday loan, title loan, or personal loan (Pawn loan) with Duvera Billing Services, LLC (CA).
Issue: Charged fees or interest you didn't expect

Complaint: I had took out some rings with XXXX XXXX I finished paying them off and never showed up in my credit .I decide to trade in one of the rings for a gold chain which left me with a remaining balance of XXXX which i did a payment of XXXX dollars a month when. I was done paying what was owe they kept charging me told me that they had got a lender from somewhere else and was never informed that they were going to do that. I went to complain why did I still owed they told me that they didnt know why they had got another lender when I had enough credit with them that they werent able to help me that I had to deal with the lender I talk to the lender and wanted me to pay exaggerating amount that what I had payed was just interest and the nothing went towards my actual balance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (WV).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I have contacted XXXX and XXXX as well as the student service board to alert company of harassment and fraudulent activity. This student loan is closed due to the school soliciting me to attend and offering a fraudulent degree program student canceled term with school and student loans were placed in forebearance and forgiven no monies owed. However XXXX constantly emails and or calls to harass me to see if I will sign in and start the loan repayment again. Please stop this harassment. They have also effected my credit claiming late payments on loans two times which has effected me being able to apply for a home loan. Please update on all credit reports and remove any deterrents from my credit report immediately. I have asked and they have ignored my requests and continue to try to get me to pay on a faulty loan.

Company response to consumer: Closed with explanation
Consumer complaint received 07/29/2016 about Mortgage (Home equity loan or line of credit) with OCWEN LOAN SERVICING LLC (CA).
Issue: Loan modification,collection,foreclosure

Complaint: Ocwen and/or XXXX XXXX XXXX fraudulently obtained my personal and sensitive loan data from my XXXX mortgage holder XXXX XXXX. Owen wrongfully foreclosed on my home on XXXX XXXX, 2016. I obtained information from my XXXX lender XXXX XXXX on Tuesday, XX/XX/XXXX that they received a phone call on the day Ocwen auctioned my home fraudulently using my ex husbands name. My ex husband is willing to testify that he did not call in. The person had my ex husbands name, loan number, birthdate, last XXXX of his social security, and knew the property address. After XXXX XXXX verified who they thought was homeowner on the loan, the preceded to offer my loan status, my reinstatement amount, my current interest rate, and a payoff quote. Now only ocwen knew my ex husband information as he was on that loan too. They fraudulently used his name to to obtain the information to conduct a wrongful foreclosure. Or perhaps they helped XXXX XXXX XXXX obtain that information. I would like Ocwen and XXXX to answer to this.

Company response to consumer: Closed with explanation
Consumer complaint received 06-12-2017 about Debt collection (Other debt) with Rent Recovery Solutions (KS).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: Rent recovery solutions is collecting a debt on    XXXX   XXXX   XXXX   XXXX   behalf. I w as not notified of the debt until after it was filed through Rent Recovery Solutions. I am paying on this debt monthly and has requested a print out of some sort showing this. The  Federal  Trades commission guarantees the right to have  a paper trail of what you are paying. I can not find a place for my children and I to live without this. Please help as soon as possible. When I speak with certain people for this company they attempt to over talk me.

Company response to consumer: Closed with explanation
Consumer complaint received 12-05-2017 about Student loan (Private student loan) with Navient Solutions, LLC. (NV).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: Beginning in XX/XX/XXXX I had taken out student loans with the Department of Education. This was my first year of college. There was no classes or anything needed to be taken in order to receive these loans. Over the past 6 years I had changed colleges a couple times. After completing my XXXX degree my loans were bought out from XXXX XXXX to Navient. I was unaware and had no choices about this buy out. IN XX/XX/XXXX, they suggested me to consolidated to pay one payment. They never informed me that this would make my loan forgiveness go back to square one. In XX/XX/XXXX I applied for a XXXX degree which put my consolidated loans in to deferment. I do not know how much interest has accumulated over my loans, no one has ever gave me ADVICE on my loans to pay them off. I have had a job every year since I have been in college and no one has ever told me you can make payments on my loans while you are in college. ( THIS WOULD HAVE BEEN HELPFUL. EVEN IF IT WAS {$20.00} ) After I completed my XXXX  program. Another representative advised me to re consolidate both loans and now I can pay one payment. Only after I asked about my loan forgiveness date was I than informed it was recalculated to XX/XX/XXXX because I re consolidated. These people are liars and are making it IMPOSSIBLE to get out of student debt. I have {$120000.00} in loans and almost HALF of it is interest. And since I consolidated after completing my schooling after 10 years, I still have to pay another 20 years. Navient has no solutions. They do not help you and if you do not ask questions you will never be able to understand your loans. There are so many charges on my account I have no idea where to start and if all of this is accurate.

Company response to consumer: Closed with explanation