milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11/30/2017 about Credit card or prepaid card (Store credit card) with Alliance Data Card Services (MD).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: Complaint XXXX about COMENITY CAPITAL BANK. I filed a complaint before comeninty Capital Bank said they would reverse the erroneous fees and close the account. However again I received a statement for months worth of Applied fees and interest on a XXXX balance account which I have been trying to close for months. They sent you a letter agreeing to reverse the fee and close the account. This did not happen. What is my next step in having this company correct this problem? I have stopped shopping the store as a result of this annoying issue. Please advise. 
XXXXXXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 01/25/2016 about Credit reporting () with Experian Information Solutions Inc. (MA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Experian combined another person 's information on my cerdit report depsite obvious differences in the SS #, DOB, address, spouse, and employer. This other person has a bankruptcy, another mortgage and XXXX accounts that have been affected my credit score to detriment. Experian has agreed to remove the person 's infomration but will not offer me anything regarding free credit monitoring or compensation for the damage to my credit.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/17/2018 about Debt collection (Credit card debt) with ENCORE CAPITAL GROUP INC. (MI).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: My dispute is not that I owed a debt, but rather the 14 money order payments made, yet not given credit for. As of XX/XX/XXXX, co attorney in this case, XXXX XXXX contacted me to inform me that I should stop mailing my payments to XXXX XXXX XXXX, XXXX, MI XXXX, but starting with my XX/XX/XXXX payment I should send them to : XXXX XXXX XXXX, XXXX XXXX, CA XXXX. For some reason, 14 payments have not been credited, yet after spending over {$200.00} in XXXX XXXX tracer fees, all but two were cashed by this company XXXX XXXX aka XXXX XXXX, XXXX XXXX or EVEN XXXX XXXX XXXX? I question this company 's ethics and bookkeeping practices and hope you can help me get a fair shake here. I had a payment plan in writing way back on XX/XX/XXXX, but with this mishap caused me to appear like I was in default when really not so. It did give this collection agency an excuse to empty my bank account unfairly. Back in XXXX of XX/XX/XXXXI questioned XXXX XXXX about 'why garnish my tax return when we already had a payment plan agreement in place and he agreed to drop the garnish, filing the required papers of Garnishment Release on XX/XX/XXXX. He agreed that several payments had been lost or unaccounted for, but later found more accurate records. From XX/XX/XXXX through XX/XX/XXXX some 14 money order payments were cashed by this company, yet not credited properly. Then on XX/XX/XXXX this unethical company reached in and helped themselves to {$1800.00}, unfairly, in my opinion, claiming default. A convenient coincidence or just to large to be efficient? I disputed their garnishment tactics last year on XXXX XXXX, but the Judge said 'bring proof of payments made, but not credited '. Again, I objected and will return to Court on XX/XX/XXXX with all the proof I need. We appear in front of the same Judge so this time around I hope fairness will be supported by facts. Should I subpoena XXXX XXXX? I do n't mind paying what I agreed to, but hate being cheated, as most people do. Please help if you can. 

Thank you and best regards, XXXX XXXX XXXX XXXX XXXX. 
XXXX, MI XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06-01-2016 about Debt collection (Mortgage) with SANTANDER BANK, NATIONAL ASSOCIATION (PA).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint: Continue to call a number that they have been asked not to use. We were told that they deleted the number from their system. Obviously, they did not.

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 02/22/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have tried to dispute this item that continually reports and shows on my credit reports and it does not belong to me. I have never seen this account before and it just mysteriously appeared on my credit showing as a new credit line with a current date. I have contacted all three credit reporting agencies and they have yet to remove this erroneous error from my report. It is listed as XXXX XXXX XXXX   collecting for a company called XXXX XXXX XXXX. I have never even heard of this company and with this derogatory mark sitting on my credit reports, it is inhibiting my chances of purchasing a home because of my score. Please help! 

Original creditor : XXXX XXXX XXXX {$250.00} XX/XX/2017 ( 4 mos ) Account status Open Type -- Responsibility Individual Remarks Consumer disputes this account information

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 10/27/2015 about Consumer Loan (Vehicle loan) with ONEMAIN FINANCIAL HOLDINGS, LLC. (PA).
Issue: Shopping for a loan or lease

Complaint: When I applied for an auto loan the loan company took into account the outstanding VA Medical bills on my credit report that are not my responsibility to pay. Thus, discriminating against me as a XXXX XXXX veteran when they issued the loan at the interest rate of 22 % instead of at 7 % which I am eligible to receive.

Company response to consumer: Closed with explanation
Consumer complaint received 04-12-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Allied International Credit Corp., (US) (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: XXXX has referred me to collections for an amount that has been paid since XXXX 2015. This has been the second time it has happen. the first time I contacted XXXX management, they took care of the problem by adding a credit. Now the fee is showing up again as a debit and they stated that it was because XXXX has extracted the money. I then contacted XXXX and they have no record of this ...

Company response to consumer: Closed with explanation
Consumer complaint received 08-02-2016 about Credit card () with CITIBANK, N.A. (TX).
Issue: Customer service / Customer relations

Complaint: On XXXX XXXX, 2016, I visited Macy 's XXXX in XXXX XXXX, TX to purchase multiple home goods. During the visit, a salesperson named XXXX repeatedly asked me if I were interested in signing up for a Macy 's credit card with the promise of a XXXX % discount. I explained that I was not interested since Macy 's was already offering XXXX % and it was not worth it to me to save the additional XXXX %. She later clarified and informed me that it was going to be a XXXX % statement credit in addition to the XXXX % that I was going to get off the sales price. I asked her if this would be XXXX % off of everything I purchased, and she stated that it would qualify for all of my purchases that day ( XXXX/XXXX/16 ) and the next ( XXXX/XXXX/16 ). She rung up my purchases ( approximately {$820.00} ), and reiterated that I would receive XXXX % off of what I just bought, she even encouraged me to go and buy a dress and additional items so I could maximize the XXXX % discount up to my approved credit card limit of $ XXXX. The next day, I returned to the store and made an additional $ XXXX purchase in home goods. Later that same day ( XXXX/XXXX/16 ), and in a different department, I explained that I was going to use my Macy 's card because I was going to get almost {$400.00} in a statement credit, and that is when a different salesperson ( XXXX ) informed me that the XXXX % statement credit was limited to {$100.00} only. I told her that was not what XXXX had told me the day before. XXXX empathized and encourage that I complain because it was not right that XXXX had deceptively and falsely encouraged me to apply for a card without stating the {$100.00} statement credit limitation. The brochure for applying for the card, which lists the {$100.00} statement limitation, was not provided to me until after I had already applied, made my initial {$820.00} purchase, and was so excited about already saving, what I thought was going to be {$160.00} in a statement credit. So I agree that the information was available to me ; however, it was not presented to me before applying nor was it stated to me during the application process. Instead, a salesperson blatantly lied to me in order to get another credit card since it 's considered " magic. ''

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 monetary relief
Consumer complaint received 11/14/2016 about Credit card () with CITIBANK, N.A. (MN).
Issue: Billing disputes

Complaint: In XXXX XXXX I apply for a credit card in best buy store to purchase a TV the no interest rates for XXXX on the promotion last XXXX XXXX I was left with XXXX dollars so this morning XXXX XXXX XXXX I make a payment of XXXX to my surprise I have a balance of XXXX dollars in i call they said they ca n't help 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 monetary relief
Consumer complaint received 08/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: I have a XXXX XXXX XXXX that was in repo but I got it back and paid off my car. I 've been having my car since 2006. It 's still on my credit report and shows the repo still. When I paid off my car I was told I could get the repo removed once I paid off the title. It 's still there. I need someone to update all of my credit reports and remove this old loan as it is hard to get anything with this showing.

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 07-12-2016 about Debt collection (Payday loan) with Midwest Recovery Systems (PA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I recently checked my experian report and noticed that Midwest recovery system located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX put a collection on my report from XXXX XXXX loan that has been paid off in XXXX. I have not received any information that there was money due and why was there a balanced on a debt i have paid off 3 years ago. I tried calling a few times and could not get anyone to give me answers. The web loan was paid in full in the amount of {$650.00} but on my credit report it says i have a balance of {$800.00} in collection which is frivolous and it date back to XXXX/XXXX/XXXX which is absurd.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04/27/2017 about Debt collection (I do not know) with PORTFOLIO RECOVERY ASSOCIATES INC (NY).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: " Portfolio Recovery '' calls my home at least 10 time s a day. This has been going on since I moved in  XXXX   2015 . They never leave any message to let me know what this is about. I am a 100 %  XXXX  vet and am tired of getting my   XXXX   XXXX   XXXX    to the phone every time they call. This is harassment. I have no idea what this is regarding as they never leave a message, nor have they mailed anything to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/28/2016 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (TX).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: My student payments automatically withdraw from my account for my consolidated federal student loans that are currently being serviced by Navient. I have never had a late or missed payment in over 11 years. When I looked at my bank statement, Navient increased my payment from XXXX to XXXX without my permission. When I called to ask for an explanation of the increased payment, Navient stated that 11 years ago they miscalculated my payment. I have no way to verify, and also believe this to be the issuer 's error, and not my own. I agreed to an original payment amount, and have honored my commitment for over 11 years.

Company response to consumer: Closed with explanation
Consumer complaint received 07-03-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with United Revenue Corporation (TX).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: TO WHO IT MAY CONCERN-I HAVE NUMEROUS ACCOUNTS THAT ARE REPORTING AS OPEN AND PAST DUE THAT WERE INCLUDED IN MY CHAPTER XXXX CASE # XXXX. I HAVE MADE MANY ATTEMPTS TO THE COLLECTIONS AGENCIES TO CORRECT THIS INFORMATION WITH NO SUCCESS. THESE ACCOUNTS HAVE ALSO BEEN SOLD TO NEW COLLECTION AGENCIES THAT ARE REPORTING THESE ACCOUNTS AS NEW ACCOUNTS, WHICH I UNDERSTAND TO BE ILLEGAL PRACTICES AND HINDERING BY ABILITY IN REHABILITATING MY CREDIT AND MY PROTECTION UNDER THE CHAPTER XXXX BANKRUPTCY LAWS. 
ATTACHED YOU WILL FIND A COPY OF MY CREDIT REPORT AND CHAPETER XXXX PAY SCHEDULE OF CREDITORS

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed
Consumer complaint received 08/27/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I made a purchase at XXXX XXXX in late XXXX ( {$61.00} ) ; just received my statement with a XXXX XXXX due date and XXXX XXXX has submitted a negative report to the credit agency TransUnion for non-payment. Their site is down until XXXX/XXXX/15 ; no one answers the phone and I 'm cutting up the card and closing the account. I want the negative report off my credit summary. XXXX XXXX has a serious problem and they are hiding something from the consumer.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11/24/2016 about Credit reporting () with EQUIFAX, INC. (MA).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: I received a credit report from Equifax in XX/XX/XXXX and realized my date of birth was incorrect. I was told to fax over my personal information which was ; copy of drivers license and social security card. My DOB was updated. In XX/XX/XXXX I received another credit report from Equifax and it had several addresses that were not mine, a formally known name that was not mine, a social security number that was not mine. A XXXX credit card with a {$10000.00} line of credit and a XXXX account that is not mine. I have disputed twice once by fax and once by certified mail. The result from the first dispute is they would not be removing any of the incorrect information and the credit report remained unchanged. Second response is Equifax could not make out my social security number and license. I have mailed a copy of a recent utility bill and a XXXX form. I went to a professional copy shop to have copies of all of these documents copied since this was a response I received in the past. I am in the consumers affairs department which means I have lost the ability to have online access to my credit file and i applied for a credit card and was denied based on the inability of the creditor to pull my credit report from Equifax. Equifax told me I was in this department indefinitely and they refused to give me a reason why. I can not discuss over the phone my report with Equifax. I would really like your assistance in gaining access to my credit report on line and having a correct credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 05-05-2016 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (CT).
Issue: Loan modification,collection,foreclosure

Complaint: In 2009 I applied for a modification with Wells Fargo. They told me the only way to get XXXX was to go into a moratorium, meaning instead of paying my full monthly amount, i should only pay a third for three months. I signed a document that in the fine print said would mean i was going into default and they were assign late fees and report it to credit ratings. I was told on the phone do n't worry about that. My credit dried up. My rating was wrecked. I wrote to the bank. I called. I sent money to fix the situation, but they sent the check back. I finally got a modification, although it was not worth it, and then when I was earning more I could not refinance because my credit was destroyed. The modification cost me greatly. The bank made more on 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 02/24/2018 about Checking or savings account (Checking account) with WELLS FARGO & COMPANY (TX).
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint: Wells Fargo has not addressed any of my concerns. I have filed several complaints and am given the same response each time. Their newest response was a bit different this time. They had replied and attached a PDF listing a banking agreement. I sign up with XXXX XXXX and then Wells Fargo had taken over around two years of opening my account with XXXX. I had never made an agreement with Wells Fargo they had taken over the bank that I did have an agreement with. Wells Fargo 's response to me said that since the amount of time had passed that it is out of reach. That since this happened awhile back that they are not responsible for the missing funds. So with all of my complaints sent and Wells Fargo sending near the same response the same time. They are trying to avoid this ongoing issue. The first placed I had called as soon as I had noticed my balance was not correct was Wells Fargo going all the way back to 2016. I did speak to someone at Wells Fargo 's XXXX phone number and they had admitted that there was missing funds. I had called and called Wells Fargo around a dozen times and no one had offered any help. No one directed me to the correct department. No way of being able to speak to a person that specializes in missing funds. So after several months of phone calls to Wells Fargo without any help I then contacted the FDIC and had talked to a few people and filed a complaint with them also they had directed me to the CFPB. So by Wells Fargo denying any responsibility based upon the amount of time that has passed is not a valid claim by them. They in hopes would think that I would just give up and not know my rights as a consumer. This has been an ongoing issue since the year of 2016 first starting with phone calls to Wells Fargo yes I did call many times. These calls go all the way back early XXXX of 2016. Not one person was able to offer any resolution with all of my contact to Wells Fargo. All the calls and then complaint to the FDIC then to the CFPD. Wells Fargo by making the best attempt to stall and bypass the statue of limitations is not a good business practice.

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 07-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Hard inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX-XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX XXXX/ XXXX XXXX XXXX XXXX XXXX XXXX , TX XXXX ( XXXX ) XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , DE XXXX ( XXXX ) XXXX The customer service line would not assist me in removing these hard inquiries.

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 01/22/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (KY).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I have been calling and trying to setup payments I can afford since last XX/XX/XXXX. I recently had XXXX in XX/XX/XXXX and XXXX in XX/XX/XXXX and my deductible was XXXX each time, I have it setup on payments for the hospital bills and then I still have the payments of XXXX etc. When I called the first time I explained there was no way I could make XXXX payments and he said I could do a medical defer, he would send paperwork, 2 days later I still had n't received so I called back and this person said I was n't eligible for it to go fill out another setup of paper work, for the income driven. We talked for almost an hour and she took mine and my husband 's info, I did that never heard back, XX/XX/XXXX, I still had n't heard anything and my payments were passed due. I called again and she said she did n't know why they were processed and some of my loans did n't qualify and it was my understanding that this was for mine and my husbands because we both had a reference number etc, but she said no he would have to go do all the paperwork I had done and I told her the other person said he did n't. So, for me she said I need to consolidate some loans, then wait and considate others by paper, etc. I told her I have not idea what to do and I get different responses from everyone I talk to and she said do you read the emails we send and I told her I try to, but I wo n't get anything for weeks, then I will get like 10 emails in one day and they all say something different so I am at a lost. I ca n't pay XXXX a month and no matter how many papers I fill out its like I need to fill out something else or something is not right or something do n't qualify. I can never get the same answer from two different people and can never talk to the same person. 

I am doing everything I can so my loans do not go in default, because if they do I lose my job, but If I ca n't get any one answer when I call and there is always something else to do I do n't know how long I can continue.

Company response to consumer: Closed with explanation