milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06/17/2017 about Credit card or prepaid card (Store credit card) with Alliance Data Card Services (NY).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: This company  XXXX /Comenity keep charging me late fee on account  XXXX . I feel it has been pay off already. My purchase was amount of {$110.00} and up to date since  XX/XX/XXXX  I pay {$160.00}. The amount {$150.00} on this account is all late fee charges. Late fee that my daughter has contact them threw  XXXX  in  XX/XX/XXXX ,  XX/XX/XXXX  and now XX/XX/XXXX and threw the phone to take this balance off since I was diagnose  XXXX . I have been hospitalize since  XX/XX/XXXX  several times. I 've been living with my daughter so I really did n't even know about this bill till my daughter found everything. They told my daughter online to contact them on phone to fix this issue but when she call they deny to speak to her because her name is n't on the account. I spoke to them today  XX/XX/XXXX  to allow me to speak to them. They told me that  XXXX  is n't a valid to dispute the balance due. So we told them to close the account and they ask me if I wanted the account close and I said yes close my account today. But I also see even closing the account the continue charging my late fee.

Company response to consumer: Closed with explanation
Consumer complaint received 10-07-2016 about Debt collection (Credit card) with CAPITAL ONE FINANCIAL CORPORATION (FL).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Over the past several months I have requested validation on multiple occasions for a debt that is listed on my credit report. I have been asking for evidence that bears my signature that shows I have a contractual obligation to pay Capital One. I have not received anything that I have requested and it is still listed on my credit report from all XXXX of the Credit Reporting Agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 11/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint: On XXXX 2017 I applied for a credit card at XXXX XXXX XXXX. After that, I received a letter which they denied my application because of you reported a wrong information about my credit score. First at all, Im foreign, I havent live at the US and I dont even have a social security. I dont have any credit products At the US like you can provided a credit score of me, so you must not be able to provide any real credit report about me. Besides, you provided information that I declared an account as bankruptcy and thats not true. Im not in bankruptcy, I have my own 2 companies in XXXX, my apartment, my cars, and my savings inXXXX and in the US. I tried to ask my credit report and it was impossible because the sistem didnt recognize my information, so I called to your call center and I was attending by XXXX, he tried to find my credit report without social security, using my ID ( passport ) and he couldnt find it. He recommended me that send emails to www.experian.com/upload and support my explanation with documents. I did this process 3 times and I did n't receive any answer from experian. So, I complained about this situation in XXXX and I did n't receive any answer either. For that reason I need help from you, because I need an answer. It made me some uncomfortable situations. I do n't have any bad credit report in my country in any place so I need help to solve that as soon as possible.

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 03/29/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: XXXX and TransUnion are reporting a 30 late in my XXXX XXXX XXXX as wrong information. 
I have contacted the XXXX XXXX XXXX credit card issue and they told me that they have reported to the credit company to remove, but XXXX and TransUnion is decline to remove the 30 late from a report stating 30 Days Past Due and declining to remove from the credit file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (GA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: I have notified Dept of Educatiion that they are inaccurately reporting that I was late in XXXX 2017. I have asked them to provide me with proof of these late reportings. Please assist me in getting these late  reportings removed from my credit file. 

There are 3 XXXX of XXXX Accounts that are reporting inaccurate late payment.s

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 12-06-2015 about Credit reporting () with Experian Information Solutions Inc. (MN).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: After making disputes via online, Experian has blocked me from making further disputes online including updating my current address with them. I have a new dispute regarding XXXX new credit card that I 've received and XXXX of them has already reported to Experian inaccurately, however I ca n't dispute the inaccuracies via online, even though I 'm a paid Experian member.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/20/2017 about Payday loan, title loan, or personal loan (Payday loan) with CURO Intermediate Holdings (TN).
Issue: Loan payment wasn't credited to your account

Complaint: On XX/XX/XXXX I went in to try to show proof that I paid there and they took automatic transactions off my card I talked to the manager and a manager claimed that they fix my stuff today corporate office but they did not and now I 'm a point informations flown out here I 'll call the police and file a complaint the police and the police told me to get it towed the car off of XXXX and give me a proud all my history are the account but they did not do that but they said to outside collect the agency on XX/XX/XXXXfrom this credit place called XXXX XXXX XXXX XXXX XXXX. And now they 're trying to say that they seem another paper talking about that the account is in dispute or. Do not contact study. The ongoing complaint and I 'm poor identity theft because I have n't went into my mother died XX/XX/XXXX and the problem started from XX/XX/XXXX to XX/XX/XXXX and when I tried to talk to that manager explain the head manager to try to explain it they did n't you talk to the other manager because other matters are messed up and it discrimination towards me and I want this company vestigate it

Company response to consumer: Closed with explanation
Consumer complaint received 05-02-2017 about Debt collection (I do not know) with Navient Solutions, LLC. (GA).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: Received letter from XXXX XXXX on XXXX/XXXX/17 for debt of $ XXXXI've disputed this debt several years ago.Did n't receive any response until the above referenced date.Never heard of XXXX XXXX or Navient.

Company response to consumer: Closed with explanation
Consumer complaint received 01/27/2018 about Checking or savings account (Checking account) with FIFTH THIRD FINANCIAL CORPORATION (FL).
Issue: Managing an account
Sub-issue: Fee problem

Complaint: less than a year ago, needed credit card advance that my bank couldnt accommodate due to a chip card. They reccommended XXXX up the street. Went in, told you have to be a customer. Opened an account with {$100.00} and did my advance. Specifically asked about fees, told to my face there was no fee on this account. Whether put in wrong account or told incorrect information I had {$11.00} a month fee taken out. Forgot about account really, opened a letter dated XX/XX/2018 saying I need to address this or be reported to credit bureau. The entire account was drawn down by a monthly fee, then overdrafted. Now they want to report to a credit bureau? Call a branch I get a run around that really frustrates. A fee is generated out of air, I want my original deposit back and rid myself of XXXX altogether. By the way, being a customer by opening an account for {$100.00} when I advanced {$2000.00} never made sense, I mentioned this up front.

Company response to consumer: Closed with monetary relief
Consumer complaint received 09/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MO).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: An inquiry was made to Equifax by the XXXX ( XXXX XXXX XXXX ) on XXXX XXXX, 2017. I did not authorize this inquiry and have no idea as to why it was made. I am fearful that this could be an attemped ID theft as I have not applied for any new loans or authorized anyone to access my credit record. I would like this hard inquiry removed from Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 12/30/2016 about Debt collection (Medical) with Phoenix Financial Services LLC (NC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I have bill from " XXXX XXXX XXXX XXXX XXXX " on XXXX XXXX 2015 ( amount {$550.00} XXXX, and it was paid in full. 
but I 'm still getting contact by the collection agency " ( Phoenix Financial Services, LLC XXXX XXXX XXXX XXXX, IN XXXX XXXXXXXXphoenixfinancialsvcs.com XXXX XXXX ) XXXX ) '' and they still want me to pay ( {$400.00} ) to remove this debt from my credit.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 06/23/2017 about Debt collection (Payday loan debt) with COMMUNITY CHOICE FINANCIAL, INC. (TN).
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint: I was contacted by XXXX XXXX XXXX XXXX from XXXX GA about a payday loan debt I took out about 2 years ago from Easy Money in XXXX TN for {$25000.00}. XXXX XXXX called me on my job and threatened me that if I did not sign a promissory note and pay them {$100.00} within i week with a credit card or debit card that he would be garnishing my wages for {$1500.00}. The following day he called my fiancee on her mothers cell phone and discussed my debt with her. He told her that I had to pay {$100.00} in 2 days then pay {$350.00}. within a very short time and if I did not do a promissory note the following day and pay the day after that that I would be served with papers that had already been approved through the court and I would have to pay {$2000.00}. My fiancee and I have just had our first child and this payment would cause a great deal of undue hardship for my family. I researched my consumer rights and the following day I received a message from XXXX XXXX on my in-laws cell phone again threatening me that if he does n't hear from me by the end of the day I will be served garnishment papers at my job the the following day. He called back and my fiancee tried to ask him for information concerning his company, the address and the license # and documentation about the loan he rudely interrupted her saying documentation has been sent and an email was sent which it never was and that he would be sending someone to my place of business with papers in the am. He then proceeded to call my boss told him I had bad checks and was going to be arrested. My bosses company depends on me to be there every day and he said he would pay this debt to keep me out of jail. I have to pay this back to my boss with my pay check and it will greatly harm my ability to pay my rent and get food for my family.I am extremely angry and feel this man has put lies and my financial business out to people who have no business knowing. I plan on legal actions concerning this company and this man.

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 07-07-2015 about Credit reporting () with Experian Information Solutions Inc. (MI).
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint: i have been disputing this company with this company only to find out they are no longer in business, they have been on my credit report since XXXX stating i have a written off balance of XXXX dollars I do not recall getting or signing up for this card.The company is called XXXX.XXXX.Please remove from experien credit report

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/27/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Financial Credit Network Inc (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I closed an account with XXXX XXXX when I moved from XXXX XXXX XXXX XXXX, XXXX, CA. The XXXX in turn sent me a check for the credited amount on my account and closed my gas bill. On Monday, XXXX XXXX, 2017 I contacted XXXX XXXX and the representative informed me that my account was closed. Someone else attempted to turn on service at the address and then cancelled service. After that action XXXX XXXX turned service back at that address in my name without my authorization nor was I aware of this or notified. This account is now reporting on my XXXX Credit Report and I am outraged about {$190.00}. I did not live there nor request that action.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02-11-2016 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: XXXX is reporting a loan that charged off back in XXXX as 120 days late as of XXXX. That is wrong. If it charged off in XXXX how can they continue to report me and my wife late in XXXX? XXXX XXXX has already deleted the item but, the other XXXX bureaus are showing invalid data that is destroying our credit scores. Please hold XXXX accountable to the FCRA and make them remove the lates after the account charged off XXXX. We have disputed the account via the credit bureau dispute process, 4 times and they still refuse to fix it.

Company response to consumer: Closed with explanation
Consumer complaint received 06-12-2015 about Consumer Loan (Installment loan) with FIRST HERITAGE CREDIT LLC (LA).
Issue: Problems when you are unable to pay

Complaint: I am in the process of paying an attorney for Chapter XXXX. I contacted XXXX different loan companies advising them of this and told them to cease all contact with me. The continue to attempt to call me on my cell phone and at my work.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01-08-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with SANTANDER CONSUMER USA HOLDINGS INC. (MD).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: As of XXXX XXXX, 2018, Santander Consumer USA has falsely and illegally reported inaccurate information onto my XXXX XXXX Credit Report. Due to that fact my score has decreased tremendously of 15 points. Upon my personal investigation of going over my credit reports ; Santander Consumer USA has reported that I have missed payments when in fact that is n't accurate, Santander Consumer USA has reopened the account and added more average age time to my report when in fact that information is inaccurate and that information has never been on my report since the time of the repossession, Santander Consumer USA has increased by {$2100.00}. This is literally the 3rd time Santander Consumer USA has increased the amount on the account ; illegally. Santander has also listed the loan terms as 76 months. Santander has never sent verification when they said they sold the vehicle. Nothing in writing.This problem needs to be in fact not re investigated, this needs to be deleted. They are destroying my credit and making it seems as if I 'm not credit worthy and it is n't right at all.

Company response to consumer: Closed with explanation
Consumer complaint received 01/23/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with AMERICAN EXPRESS COMPANY (OH).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: An item I purchased using my American Express credit card was returned which created a credit on my account. Since I had a XXXX  balance, I contacted American Express and requested that this credit be refunded to me. They refunded the credit of {$290.00} by directly depositing it into my Checking/Savings account. A couple days later while reviewing my account, I noticed that I now had a {$290.00} balance and the transaction was coded as a " DB ADJ CREDIT BAL REFUND ''. I immediately contacted American Express to inquire about this charge that had posted to my account. They told me that this error would be corrected in 24-48 hours. The following day, I received a check # XXXX dated XX/XX/2018. I contacted American Express and asked them if I should destroy, or return the check. I was advised to destroy the check as they had already started a stop payment. After the 48 hours expired, I still noticed that my account still reflected a balance so I contacted American Express once again. I was then told that they would have to do an investigation and that would take 6-8 weeks. I explained that this time-frame is unacceptable because it would appear that I was using available credit which in fact I was not and my balance with them should be XXXX. Additionally, I explained that this was their error and why should my credit history be subject to this AMEX error. In addition, I did n't want a finance charge or any fees resulting from their error as my balance should be XXXX. I asked them why my account did not reflect the credit reversal within the time frame that I was told. AMEX keeps giving me different timeframes of when this will be resolved.

Company response to consumer: Closed with monetary relief
Consumer complaint received 10/13/2015 about Debt collection (Non-federal student loan) with Financial Business and Consumer Solutions. (GA).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: As per the correspondence, I received from : XXXX - Dated : XXXX XXXX, 2015/ CORRESPONDENCE RECEIVED XXXX/XXXX/2015. 

This is to inform you that I 've recently pulled my credit report and noticed that there 's a collection listing from XXXX on my credit report. I WAS never notified of this collection action or that I owed the debt. This letter is to inform you that I would like a verification of the debt and XXXX ability to collect this money from me. 

Under the FDCPA, I have the right to request a validation of this debt. I request that XXXX verify to me and prove that I am indeed the party who is contractually obligated to pay off this assumed fraudulent debt. Upon your review of my XXXX XXXX Financial Aide Records, your re-investigation will determine, there were no account balances. XXXX See attached e-mailed documents ). Enclosed with this email. 

The XXXX should be made aware that reporting any invalidated information to major credit bureaus may constitute defamation of character. In addition, you must also be aware that until you validate this debt, you can not continue collection activities or report this information to the credit bureaus. Non-compliance with this request may land XXXX in serious legal trouble with the Federal Trade Commission XXXX FTC XXXX and other state/federal agencies. 
Under the FDCPA, debt collectors XXXX collection agencies or CAs XXXX are required to send you a debt validation notice within 5 days of contacting you to collect a debt. The notice should also inform you that you have the right to validate/dispute the debt within 30 days of receiving the letter. If you do n't dispute the debt ( or request validation of the debt ) within the 30-day period, the collector has the legal right to assume that you agree the debt is valid. 




Re : False Certification of Student Eligibility or Unauthorized Payment Discharge are unacceptable. 
Please be advised, I XXXX XXXX XXXX XXXX may be eligible for a discharge of my Direct Loan or XXXX Program loan under these circumstances : According to this correspondence received : XXXX - / or an unauthorized agent at XXXX XXXX XXXX evidently school signed my name on the application or promissory note without XXXX XXXX XXXX authorization or the school endorsed XXXX XXXX XXXX loan check or signed XXXX XXXX XXXX authorization for electronic funds transfer without XXXX XXXX XXXX knowledge, unless the proceeds of the loan were delivered to the wrong address or applied to charges owed by XXXX XXXX XXXX the school. - As reported, I XXXX XXXX XXXX XXXX never received any disbursements ' from the XXXX See Invoice Statement. Generated, by attached emails from XXXX Payment History Financial Aide Account. - I did not receive these funds. Neither were they deposited into my checking account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/16/2017 about Consumer Loan (Installment loan) with WELLS FARGO & COMPANY (CO).
Issue: Managing the loan or lease

Complaint: I opened an installment loan with Wells Fargo around XX/XX/XXXX for {$20000.00} which has an interest rate of 7.24 per annum. They believe that the per diem rate is {$3.00}, according to my statement dated XX/XX/XXXX. 
After receiving several months of activity I noticed that the payments of interest on the loan were increasing rather than going down so I went to the bank and my personal representative contacted the loan dept and after a couple of hours, the verdict was that their figures were correct due to the times that the interest was paid with different periods of time between the dates ... 
I allowed a couple of weeks for them to contact me to allow them to make any corrections to my account which was not done. 
I then went to a different branch of the bank and complained again of, what I feel is a terrible error in the way their computers are programmed, which is bilking thousands of dollars from their customers. 
Again, they explained to the gentleman with whom I spoke that there, was in fact, no error ... however, my XX/XX/XXXX payment dropped from {$92.00} from {$130.00} for the interest due XX/XX/XXXX. No other changes have been made, so far to my account for the " overcharges ''

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