milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NY).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: This two with XXXX XXXX XXXX Account Number XXXX Account TypeCredit Card Terms Revolving Date Opened XX/XX/2016 Account Number XXXX Account Type Installment Loan Terms 72 Months Date Opened XX/XX/2016 is not mine, they was removed from my report and then added again by EXPERIAN As a result my credit keeps decreasing. to. This increased my XXXX level causing my XXXX XXXX to increase and I began to have further issues with my XXXX. I ended up having emergency 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 03-09-2017 about Bank account or service (Other bank product/service) with SANTANDER CONSUMER USA HOLDINGS INC. (MI).
Issue: Making/receiving payments, sending money

Complaint: I have a loan with Santander consumer USA. My loan amount is XXXX, I make a monthly. payment of XXXX. According to my statements, XXXX is the payment, and XXXX is interest. But when the payment is applied all overage is applied to interest. I have called in several times to have the payment overage applied to the principal. They just will not do it. I keep getting told I have to wait for the request to be processed, 3-5 business days. The last time I called in, XX/XX/2017, another request was put in to their finance dept by XXXX ( a supervisor in there off shore customer service office ). Now she tells me I have to wait another 5-7 days. meanwhile there is over XXXX dollars applied to interest instead of principal. How do I go about getting this issue corrected. Thank you for your help with this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 05/25/2016 about Student loan (Federal student loan servicing) with AES/PHEAA (FL).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: Parent loan assigned to AES, American Education Services. Unwilling to do a fair Income sensitive repayment plan. Another company, XXXX was able to, and payments are being made on the other loan and would like to also to make payments on their loan, but income sensitive plan was XXXX/ month. They stated no other options available., really!

Company response to consumer: Closed with explanation
Consumer complaint received 08/24/2015 about Payday loan () with National Financial LLC (DE).
Issue: Payment to acct not credited

Complaint: My name is XXXX XXXX XXXX. This issue with a Loan Till Payday account was previously reported to you for collection practices, etc. I had a pay day loan in 2013. At the time, I banked with XXXX XXXX, who advised me that pay day loans are not good, and in the end XXXX closed my bank account, it was involuntary. In the interim, I made payments to the agency. XXXX and XXXX were the primary contacts. On the last payment, due to the fact that I told him I was coming in to pay cash, and they withdrew the funds, electronically, my account was affected. XXXX advised me that the payment made was the last payment and the other ( which was primarily interest remaining ) would be charged off. XXXX later called me and advised that XXXX was not authorized to make that decision and demanded the payment. I do n't understand how one person can cancel the arrangements made by someone else. 

In the end, they sold my account. It was reported to you, and that creditor then stated no further collection activity would occur. 

Last week I began receiving calls from a collection agency, XXXX XXXX stating I would called for a civil deposition on this account. I do n't even know this agency. Later, I then received another call stating that I needed to hold, and after several clicks was connected to someone at a Mediaction service. I denied the owing the loan and stated it was paid. 

Today, I received a call from an outsource service courier about a missed appointment or hearing??? What?? I have no idea who these people are. I called Loan Till Payday and was advised the loan was sold and I needed to settle with the new company. So, does this mean they are continuing to attempt to collect {$200.00}. 

I attempted to call the numbers, and now no one picks up just a voicemail. I called the supposed service courier and advised that their number was showing up as a spam/fraud number and that if they were a legitimate company then they should leave their name, location, a number ( not a voicemail ), and the case they are calling me about. I have not been served with any collection documents - why am I being threatened with a deposition??? 

Telephone number recently calling me : ( XXXX ) XXXX. 

Please help.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 03/16/2017 about Debt collection (Payday loan) with CHECK INTO CASH INC. (CA).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: I received a voicemail stating the following " XXXX, My name is XXXX, i am reaching out to you today as a courtesy in regards to documentation that was placed attached to your name and social security number i have to review this matter and i want to give you a chance to provide a statement on your behalf prior to my recommendation being made. it is imperative i speak with you to discuss this matter further i can be reached directly at XXXX and when returning the call please refer to reference number XXXX ''. I contacted this bussiness back to see what this was concerning and the party i spoke with stated i had a debt that was owed and was pending trial. He stated they would be sending my information to an attorney and i could dispute it then. I explained i would like him to notate that i am verbally disputing the debt and that the statue of limitation to collect on this debt had past. he continued to talk over me and stated i would have my day in court and could do so then. i explained that i would like to speak to the attorney handling the case. He refused to give me the information i asked for. I asked for the oringal creditor information and he stated he did not have that info and they would not speak with me. During this time he did not provide a meaningful disclosure or the mini miranda. I asked mutliple time if he was a debt collector and he refused to answer my questions. He became upset and terminated the call.

Company response to consumer: Closed with monetary relief
Consumer complaint received 03/19/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Identity was stolen and inaccurate information is being reported by credit bureau 's.

Company response to consumer: Closed with explanation
Consumer complaint received 08/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Clark County Collection Service (CA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I 've complained on this issue before in conplaint # XXXX. XXXX XXXX XXXX XXXX keeps pushing a fraud packet, that wants me to give them all kinds of my personal information, that I do n't feel comfortable giving out. I asked them to prove that the so called account is mine. I am not doing their job for them. I want to see proof that the account that was XXXX XXXX is mine.

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. (NC).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Hello, In regards to the entry of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, 2017 {$320.00} {$320.00} XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX ( XXXX ) XXXX I am disputing 100 % of this profile collection entry. 
I am demanding that this entry be removed and blocked asap from my name and personal information on file with the CRA. 
With the on-going Equifax security breach, it looks like you are continually allowing bad data to take over your records. 
Consistent identity theft is on-going and you are not providing the needed level of security to make sure the wrong information is not reported on my account! I will not stand for this. 
Look at my history with you, in disputing junk and erroneous information. 

This does not belong to me and you are again aiding in ruining my credit profile with this erroneous account. 
REMOVE THIS ASAP!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/30/2015 about Consumer Loan (Vehicle loan) with SANTANDER CONSUMER USA HOLDINGS INC. (CA).
Issue: Shopping for a loan or lease

Complaint: I had entered into a purchase agreement for a vehicle, XXXX dodge caliber through XXXX located in XXXX, XXXX. Which was financed by : Santander Consumer USA, XXXX. XXXX XXXX, XXXX, XXXX XXXX : XXXX. This purchase agreement started XX/XX/XXXX/XX/XX/XXXX. In XX/XX/XXXX I had to file bankruptcy. Even though they where listed I had agreed to continue making agreed payments which i did up to now. Now this is my complaint XXXX refuses to update credit agencies of my account and my on time/correct payments. I have contacted them on different occasion and the credit agencies said there is nothing they can do, this information has to come the financing company. This company has hendered me from getting refinanced as they have refused to do, which kept me in a high interest rate loan. I have just recently been able to get refinanced through XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 01-09-2018 about Mortgage (Conventional home mortgage) with EQUIFAX, INC. (GA).
Issue: Problem with a credit reporting company's investigation into an existing problem

Complaint: I sent a letter to XXXX XXXX XXXX, XXXX regarding account # [ XXXX ] requesting validation of this account reported on my XXXX credit report, which is made pursuant to the Fair Debt Collection Practices Act. 

Upon further investigation, I have retained new copies of my credit reports and noticed that XXXX did not furnish the credit bureaus with the required disclosure, within the period required by law. Federal law requires XXXX to place a notice of dispute on my account within 30 days of my dispute, which they signed for on [ XXXX/XXXX/XXXX ] I have a copy of their signature and date of receipt, as well as a time-stamped copy of my credit reports on XXXX/XXXX/XXXX, showing that XXXX has violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) and/or the Fair Debt Collection Practices Act Section 807 ( 8 ) by not placing the disclosure within the required 30-day period.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/25/2015 about Debt collection (Medical) with Receivables Management Partners, LLC (OH).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I instructed provider to submit to XXXX. Provider said that they would. Provider was instructed to resubmit by XXXX the correct way but provider never did. No communication with provider until I received collection letter

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

Complaint: Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media.

Company response to consumer: Closed with explanation
Consumer complaint received 11-05-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with WELLS FARGO & COMPANY (MN).
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint: When checking my Wells Fargo credit card statement online I saw a charge of {$110.00} to XXXX XXXX. I called Wells Fargo to dispute the {$110.00} charge. They provided a receipt which is attached to this complaint. The receipt shows a transaction date of XXXX/XXXX/XXXX for a location in Florida. I was not in Florida and I had my credit card in my possession here in Minnesota. Also it shows the purchase was manually entered. I do not believe the receipt provided by Wells Fargo is a XXXX receipt in the first place. I had Wells Fargo cancel my card and issue a new card as this charge was fraudulent. 

I do not have a XXXX account at all. I do have a XXXX phone that gets billed to my father 's account. My father 's account did not receive any {$110.00} credit from Wells Fargo and it should not any way. Wells Fargo told me that they can not reverse the charge since I am affiliated with a XXXX account. Again I do not have a XXXX account. I believe Wells Fargo should be able to tell where they sent the {$110.00} and it was not any account that I charged on. 

I did file a fraud form online with XXXX on XXXX/XXXX/XXXX also but no response from them. I believe the receipt that Wells sent me is not a XXXX receipt, I do not have a XXXX account so XXXX really has nothing to trace back. Wells Fargo should know where they sent the {$110.00} but they are not working with me.

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 01-08-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (FL).
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint: Contacted the company on several occasions company did not respond back told me I had to send in a letter to the CEO twice regarding the initial letter and then letting them know that I did n't receive a response 2 weeks after the initial letter was sent out XXXX XXXX 2017 and I sent out another letter 2 weeks after then I received a letter stating that they would not do a courtesy removal

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

Complaint: Equifax had a breach of security compromising my information along with 150 million others. I failed to receive a notice at all and found out via social media and upon checking found my information to be compromised almost a month after the security breach.

Company response to consumer: Closed with explanation
Consumer complaint received 09-11-2017 about Debt collection (Auto debt) with WELLS FARGO & COMPANY (OK).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: I am writing to notify you of inappropriate and harassing phone call patterns from Wells Fargo Dealer Services, the outbound collections department. To state that I am frustrated and angry would be a serious understatement. Each month I pay my monthly payment after the due date, but before any 30-day past due period ; included in those payments are extra funds for the purposes of late charges. 
I have previously submitted an online complaint regarding these calls to our work and cell phone numbers ; but, that apparently makes no difference. I am revoking express consent to contact us on either of our cell phone numbers. Please ensure cell phone numbers XXXX and XXXX are removed from Wells Fargo 's system of record. Future calls made to these numbers will be documented. Additionally, please remove the XXXX and XXXX work phone numbers from Wells Fargo 's system of record, as neither of us are allowed to receive phones calls while at work. I am writing to formally request that Wells Fargo Dealer Services take the above noted phone numbers off the outbound collections auto dialer and to only communicate with myself or husband via written correspondence or via our home phone number at XXXX. 

I look forward to reviewing your written response to my concerns and 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 02/21/2016 about Debt collection (Auto) with Lloyd & McDaniel, PLC (IN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: XXXX XXXX lease car returned XXXX. Third party inspection @ XXXX of XXXX dealership noted returned vehicle passing total condition compliance with noting no damage. XXXX representative informed me that my balance was {$0.00}. That day, I purchased a new lease through XXXX 's sister company, XXXX XXXX, at same dealership. Today, XXXX, I am the primary signer on a new XXXX vehicle purchased at same dealership, with top-bid approval incentives for financing through XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 08/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NM).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: XXXX - I paid off my automobile loan in the XXXX of 2010. I requested a copy of my credit bureau from Experian, and to my surprise in the comments section ; Consumer Disputes ( disagrees ). I have tried on numerous occasions to have to removed however, after 8 attempts over the 7years. As a last resort I must contact the CFPB.

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 01/24/2018 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with Coinbase, Inc. (WA).
Issue: Money was not available when promised

Complaint: On XX/XX/XXXX my wife sent a same day wire from XXXX XXXX XXXX to Coinbase inc. in the sum of {$15000.00}. XXXX XXXX XXXX emailed a confirmation of successful send of wire. 

Attempted to contact ~20times XXXX and Coinbase customer service via email, support email, twitter, and phone. Coinbase responded ONE time on XX/XX/XXXX with an automated response not pertaining to my issue. 

Name of Coinbase account is seperate from Wife 's bank account name. This may be causing the issue. If that is the case, we need a resolution to the funds.

Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2016 about Money transfers (Domestic (US) money transfer) with MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (FL).
Issue: Fraud or scam

Complaint: I was contacted by phone by XXXX XXXX XXXX XXXX XXXX flXXXX ph XXXX agent young park stateing he had a purchase agreement for XXXX timeshare for total aqition price of {$22000.00} plus 5 weeks use pass which he sold for {$7100.00}. Total {$30000.00} would be deposiited in my checking acct when we wire {$2600.00} for transfer to young park XXXXwhen the money didnt show in the acct i tryed to contact young park and got only voicemail and no responce this title co is owned by XXXX XXXX ph XXXX the purchase agreement was for XXXX & XXXX Ph XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 11/15/2016 about Debt collection (Credit card) with HSBC NORTH AMERICA HOLDINGS INC. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Statue of limitation has passed on the item in question.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I traded my XXXX XXXX in for a XXXX XXXX on X/XX/2017. XXXX told me that they would pay the last XXXX remaining payments on the XXXX XXXX. I received a bill in XX/XX/XXXX for the XXXX XXXX. I called XXXX XXXX and XXXX. They told me not to worry that they were handling it and that it would n't show up as a late payment on my credit report. I then received another bill from XXXX XXXX in XXXX, 2017. This time I drove down to the dealership ( XXXX ) and spoke with accounting. I also called XXXX XXXX. I was told that they were n't sure what happened, but apparently they had some type of accounting error. I was again reassured that my credit would n't be affected. My wife checked my credit report and saw that XXXX XXXX did in fact report a late payment for XXXX, 2017 and XXXX, 2017 to TransUnion as well as XXXX. I drove directly to the dealership and was told they would handle it. Finally, after two months ( XXXX, 2017 ) they cut me a check, in which I turned around and paid XXXX XXXX that very minute. I called XXXX XXXX XXXX different times speaking with XXXX and then again a XXXX requesting a letter showing the mistake made on their part and requesting that they notify the credit reporting agencies correcting and removing the two late payments. I finally received a letter from XXXX XXXX on XXXX XXXX, 2017 stating they would do so. My credit report still shows the two lates payments for TransUnion and XXXX. These two late payments need to be corrected and show paid on time. Not to mention they also showed the XXXX XXXX on my credit report as if I still owned it for those two months when it had already been resold to someone else. This has adversely made my Fico score plummet all because of an accounting error?!! I kept being reassured that my credit would n't be affected.

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