milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02/22/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NV).
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 received a response from XXXX XXXX and I am not satisfied with the response from XXXX XXXX. XXXX XXXX denied my request to remove a 30 day past due on my credit report. I attempted to make a payment using my phone and I thought the payment went through to my knowledge but it didnt as I later found out. XXXX XXXX website has been down multiple times over the past couple years and I believe this was the source of the problem. When I finally found the error in nonpayment - I posted a payment that was I believe 31 days late and I paid the current bill. I recently changed my cell phone and XXXX XXXX was unable to reach me to notify my of the late payment. XXXX XXXX is purposely trying to keep this damaging information on my credit report when I was only 31 days past due. 

XXXX XXXX is not being truthful when it states the customer has received two invoices to advise of the account 's need for payment. No late payment notices or invoices were sent to my current or previous address. I have never been 30 days past due on any of my previous payments to XXXX XXXX in the past 4 years nor have I been late on any bills for the past 10 years. It is disheartening to learn XXXX XXXX has such a hardline attitude towards the circumstances of my situation.

Company response to consumer: Closed with explanation
Consumer complaint received 01-04-2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: For most of my life i 've used cash and never really knew what credit was growing up. Over the last year, I noticed some fraudulent items on my credit that i did n't open. They are all over the XXXX XXXX XXXX area and the local police department does n't want to seem to help because its hard to find them. My credit suffered, not like I used it anyways but still I do n't have a good start. I went on line a couple times to dispute stuff and nothing happened. Since having my report ran and talked with the federal trade commission they advised to submit documents to credit bureaus and negative source who is reporting. and to keep responses and when it was sent.

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 06/14/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Professional Debt Mediation, Inc. (NC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I had a disputed charge rising out of a dispute over cleaning bill that happened in XXXX 2009. 

The charge was sold to a collection company out of state, and it was left on my credit file. 

I have contacted the collection company, and amicably agreed to pay half of the amount in exchange to the removal of the record. 

I paid as agreed and received a receipt for that transaction. 

I have found that the record was still on my credit file on XXXX. On my second inquiry, I was told to pay the whole amount from the debt collection. 

I believe that the debt collector was using misrepresentation and intentionally try to hurt my credit to extol more fund from me. Please check on the facts and help me.

Company response to consumer: Closed with explanation
Consumer complaint received 09/17/2016 about Prepaid card (Gift or merchant card) with NETSPEND CORPORATION (TX).
Issue: Managing, opening, or closing account

Complaint: I received a netSpend gift card for my birthday from my sister. When attempting to activate this card it asked for several pieces of personal information including my social security card. 

I have received other gift cards that did not require any personal information at all to activate it. I called an inquired why this is, they did not offer a reasonable explanation except to say it was for my security. If that was true they would not ask. Each time you give someone your social security number out increases the chances you will become a victim of credit fraud. 

I had no idea how much was on the card ( it was a gift ) apparently just asking for the balance costs XXXX cents each time you ask. So when I asked it had a balance of {$24.00}. 

Each time the card is used there is a fee charged. {$1.00} to run as debit and {$2.00} to run as credit for each transaction. 

This company is unscrupulous in their business practices and I have to wonder how they are able to do business in this country. To anyone who reads this I would not use this company for anything!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06/29/2016 about Debt collection (Credit card) with American Coradius International LLC (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I got a letter from American Coradius International LLC saying that I owe an account balance of {$400.00} from a XXXX, XXXX account. I have never held a XXXX, XXXX account and I have never owed money to them. I do not have any idea whose debt this is.

Company response to consumer: Closed with explanation
Consumer complaint received 05-08-2015 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (NE).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: Payment on Private student loans is not allocated appropriately on multiple occasions. Efforts to correct errors through XXXX XXXX ( now Navient ) representatives has been met with repeated refusal. 

A substantial majority of the monthly payment is allocated to the private loan with the lower interest rate and the smaller principal balance. Instead, a majority of the payment should be allocated to the private loan with the larger principal balance ( which also happens to have a higher interest rate ). 

XXXX XXXX 's ( now Navient ) errors are consistently in the company 's favor because the allocation method used have been frequently applied so that my loan with a lower interest rate is paid off before the loan with a higher interest rate ( and larger principal balance ) In the attached documents, please note that the loan noted as " Loan XXXX '' or as " XXXX '' had an original principal balance of {$32000.00} and has a current interest rate of 3 %. The loan noted as " Loan XXXX '' or as " XXXX '' had an original balance of {$28000.00} and has a current interest rate of 2 %. 

For example, XXXX the attached document will show that my payment of {$430.00} on XXXX XXXX, XXXX was misallocated among the XXXX private loans within a Billing Group. {$250.00} of the total was applied to Loan XXXX with a 2 % interest rate, while only {$180.00} of the total payment was allocated to the loan Loan XXXX with a 3 % interest rate and a larger principal balance. 

In another of the attached documents, a portion ( {$24.00} ) of the {$51.00} payment is applied to the principal of the loan XXXX ( also known as Loan XXXX ) with the lower interest rate while none of the payment is allocated towards the loan XXXX ( also known as Loan XXXX ) with the higher interest rate. 

The third document shows a similar allocation error made on a payment in XXXX XXXX, XXXX. It is included as an example. There are many similar allocation errors made during the course of loan repayment The attached document is only XXXX example of this same allocation error that occurred a number of times until, after repeated requests, XXXX XXXX agreed to separate my XXXX private loans so that they are no longer in a Billing Group. 

After reviewing my original promissory note, I can find no justification for these loans being originally placed into a Billing Group, where they remained for almost 8 years until they were separated. I can see no benefit to me as a consumer that my loans were placed into a Billing Group ; however, the multiple allocation that XXXX XXXX made over several years did benefit XXXX XXXX in that I was prevented from paying down my private loan with the higher interest rate ( and the higher principal balance ) in a timely manner. 

Since this allocation error has been consistent and persistent, I believe it to be systemic and purposeful - likely impacting many borrowers.

Company response to consumer: Closed with explanation
Consumer complaint received 09-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (WA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: My personal information was compromised/leaked by Equifax without my consent, putting my financial wellbeing at grave risk. Furthermore, my knowledge of the incident was intentionally delayed by Equifax, putting my financial wellbeing at further risk. I was not aware of the issue until XXXX XXXX XXXX even though the incident took place months prior. I have now placed an initial fraud alert on myself with XXXX, and I will have to manage and monitor this leaked data for the rest of my life, at my own expense and spending my own time and money.

Company response to consumer: Closed with explanation
Consumer complaint received 01-04-2016 about Credit reporting () with Experian Information Solutions Inc. (NJ).
Issue: Credit monitoring or identity protection
Sub-issue: Problem cancelling or closing account

Complaint: i was trying to remove a security freeze on done with Experian. 
for some reason their web site rejected my request ( even so i was able to do it in XXXX 2015 ) when trying to upload requested document - i was rejected as well. 
there is no way to contact with Experian and get someone to talk with me on the phone and solve the issue, their system is not enable fixing issues like the above which cause consumer to lose financial opportunists

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06-10-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: It is unfortunate that this will now be the third complaint against this CRA with the CFPB. Basically, per the CRA credit report several accounts were supposed to have been PURGED as of XXXX 2016. This has already been completed by XXXX, however, TransUnion is confused and naively believes that they have to " verify with the data furnisher ''. Per CFPB complaint XXXX the CRA was supposed to delete XXXX accounts and XXXX collection account per the FCRA- SEVEN YEAR REPORTING EXPIRATION.

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 07-10-2017 about Student loan (Federal student loan servicing) with MOHELA (CA).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: I updated my bank account information for auto-debit payments with Mohela in XX/XX/XXXX via the Mohela website, changing the account from which my payment would be withdrawn. I received two messages from Mohela in XX/XX/XXXX and XX/XX/XXXX with subject lines " Auto-Debit Withdrawal Confirmation '' which made it sound like my payments were processing as usual, but Mohela later informed me that it actually takes 1-2 billing cycles to update auto-debit information, and so my account was past due. <P/>After learning of the discrepancy, I processed the payment manually via the Mohela website in the meantime, but I believe that by not clearly disclosing this delay in auto-debit payment processing on their website, they 've created obstacles to repayment by providing bad information, or no information 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 07/31/2017 about Debt collection (I do not know) with TENET HEALTHCARE CORPORATION (TX).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: on my credit report with two different name one is syndicated office systems and the other one is central financial control same account information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/27/2016 about Credit reporting () with Experian Information Solutions Inc. (WA).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: I have duplicated information from the same collection agency listed on my credit report. I have disputed this information with Experian twice and the result was that the item remains. The account is not mine and my rights under the FCRA have been violated.

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 08/29/2015 about Debt collection (I do not know) with JPMORGAN CHASE & CO. (NY).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: On XXXX XXXX, XXXX of XXXX, a lawyer for the plaintiffs in XXXX class actions pending in New York bankruptcy court, confirmed Monday that the XXXX banks agreed last week that within the next three months, they 'll either report this debt as included in bankruptcy and remove any negative information or will delete it entirely from credit reports. 

The lawsuit, filed in XXXX Bankruptcy Court in XXXX, accused the banks of engineering what amounts to a subtle but ruthless debt collection tactic, effectively holding borrowers ' credit reports hostage, refusing to fix the mistakes unless people pay money for debts that they do not actually owe. 

Judge XXXX XXXX XXXX, who is presiding over the cases, has repeatedly refused the banks ' requests to throw out the lawsuits. In XXXX, when he refused to dismiss the case against JPMorgan, he said, " The complaint sets forth a cause of action that Chase is using the inaccuracy of its credit reporting on a systematic basis to further its business of selling debts and its buyer 's collection of such debt. " As it is now XXXX XXXX, more than the three months agreed upon in the settlement, I am requesting IMMEDIATE deletion of the zombie debt reported by CHASE that appears on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 12/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with SYNCHRONY FINANCIAL (CA).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: I have previously filed a complaint with CFPB regarding this identical matter, under case # XXXX. The dispute was resolved in XXXX of XXXX, yet XXXX XXXX has not removed the 30 day late from my credit report. XXXX XXXX CONTINUES TO VIOLATE ME during the period in which I should have already been able to purchase a home. XXXX XXXX has intentionally and spitefully targeted me ever since I chose to close my account with them.

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 12-08-2016 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (TN).
Issue: Account opening, closing, or management

Complaint: I have XXXX bank accounts with Chase bank -- XXXX checking account and XXXX savings accounts. I recently got married ( in XXXX 2016 ) and called Chase to see what I could do in order to change my name on my bank accounts to my new married name. The instruction I received from customer service was to go into a branch and present my name change documents. The problem is that I live in Tennessee and there are no Chase branches in the state. I asked for the alternative process and was told that I could receive a signature card and letter in the mail ; I would need to sign the signature card and provide the copies of my name change documents through the mail. This sounded reasonable, as it was the same procedure as visiting the branch, just through the mail. The next day, I received a phone call from a supervisor who told me that the letter would not be able to be sent to me until the Research Department approved it. It has been nearly a month and the Research Department still has n't addressed my request. Every time I contact the bank via online message or by calling, I am told there is nothing they can do to help me. I was told that one of the hang ups was the fact that my son is joint with me on one of the savings accounts and he would have to provide an ID in order for the Research Department to consider allowing me to submit my name change documents. He is a minor and does not have an ID. The bank did not require him to have an ID when we opened the account -- that is why I am on the account with him. I do not understand why his ID ( or the approval of a minor ) would have anything to do with me being able to change my name because I got married. Coincidentally, I called customer service today -- because I got the message from online banking that they could n't help me and referred me there -- and closed the account on which I am joint with my son. I closed the account OVER THE PHONE, without any approval or correspondence from him! That makes absolutely no sense! 

My issue is that my bank accounts have my maiden name. My legal identification has my married name. I tried to use my bank card at a merchant and was asked to present identification to validate my authority to use the card. The identification I presented did not have the same name as the bank card. I was accused of potential fraud for using another person 's card -- but, it was my own! All I want to do is change my name on my bank accounts and the bank will not allow me to submit any documentation to do so. The closest branch to me is XXXX miles, one way. That seems egregious to request that I drive nearly XXXX miles round trip -- just to change my name on my accounts! 

Please help me with this.

Company response to consumer: Closed with explanation
Consumer complaint received 10/19/2015 about Prepaid card (ID prepaid card) with Empowerment Ventures, LLC (TX).
Issue: Fraud or scam

Complaint: My check was Direct Deposit on XXXX/XXXX/15 .and I have yet to receive it.not not is answering the phone, and if the do your holding on for hours..RUSHCARD IS A SCAM ..

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03-08-2018 about Mortgage (FHA mortgage) with LoanCare, LLC (MD).
Issue: Trouble during payment process

Complaint: I received notice in XX/XX/XXXX from XXXX County, Maryland that my taxes were not paid for the end of year XXXX. The amount due was {$1300.00} with interest if paid in XXXX of XXXX. I first went to the website and emailed them about the issue and have still never received any return email from them on the issue. I called my mortgage servicer ( Loancare ) during the first week of XX/XX/XXXX to see what the problem was. They were not able to give me much information, but gave me a fax number XXXX XXXX ) to fax the bill in to their Escrow department for payment. I faxed the tax bill to them on XX/XX/XXXX and called about 5 days later to confirm they received the bill for payment. They acknowledged receiving the bill and said it would be paid by XX/XX/XXXX. When it was not paid by XX/XX/XXXX, I called by and spoke to XXXX ( ID # XXXX ) and he escalated the issue and said it should be paid within 48 hours. I called back on XX/XX/XXXX and was on hold for about 20 minutes before being hung up on. I called back and spoke to a customer service supervisor name XXXX ( ID # XXXX ) and explained my situation to her. She wasn't sure why it hadn't been paid and she needed to speak to the Escrow department, but said they don't take incoming calls, so she needed to email them and wait for response. She said she would call me back the following day. As of XX/XX/XXXX, I have not received a call back on the issue.

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 04/28/2017 about Debt collection (Auto debt) with CAPITAL ONE FINANCIAL CORPORATION (TX).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Capit al One Auto Finance is no t bonded in Texas and can not legally collect debt. Please remove from my credit report and confirm that debt is not owed.

Company response to consumer: Closed with explanation
Consumer complaint received 01/21/2018 about Debt collection (Credit card debt) with Experian Information Solutions Inc. (MS).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I have sent in verification letters on XX/XX/2017 to XXXX and Experian asking them to verify the negative items or remove them, and they have done neither to my report.Have not recieved my report from XXXX that I asked for during this time.

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 09/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (OH).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I am a victim of identity theft. I have lots of inquires on my credit that I did not authorize nor did I know about. These inquiries are affecting my score in a negative way. I lost my wallet last year which had my drivers license, social security card in it. I have 2 credit cards one is XXXX XXXX and the other is old nave which I am a authorized user for the XXXX  XXXX. My score was in the 700 's now it is in the high 600 's. Remove these immediately! I do not own a home, I do not own a car. The inquires in dispute are : XXXX XXXX/XXXX Inquiry : XXXX XXXX, 2017 + Supermarkets XXXX/XXXX Inquiry : XXXX XXXX, 2017 + Complete Dept. Stores XXXX Inquiry : XXXX XXXX, 2017 + Personal Loans Cos. 
XXXX XXXX Inquiry : XXXX XXXX, 2017 + All Banks XXXX Inquiry : XXXX XXXX, 2017 + National Credit Card Cos.

Company response to consumer: Closed with explanation