milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (WA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: On XXXX XXXX, 2017 I contacted XXXX at XXXX. The Internal Recovery Department offered full settlement on both accounts for a total of {$1800.00}. I paid the account in full over the phone by checking debit ACH which succeeded. <P/>{$850.00} 60 % XXXX {$1000.00} 60 % XXXX ___________ {$1800.00} PAID X/XX/17 XXXX updated the accounts at Experian, XXXX, and XXXX by showing I made a payments for {$850.00} and {$1000.00} but did NOT show the account as paid in full. I have exhausted the dispute process with all 3 bureaus and XXXX has 'verified ' the accounts as accurate which is incorrect. <P/>I am hoping the CFPB can assist me in correcting the inaccurate and false reporting which violates the FCRA and hurts my score. I settled these accounts with the bank and it is only fair they are accurately reported to the three bureaus. <P/>I have attached a copy of my credit report for the three bureaus as well as the particular accounts for Experian as samples.

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 11-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I checked my personal credit report and I noticed a list of unauthorized inquiry had been made such as XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX, XXXX DC XXXX XXXX/XXXX/XXXX ), XXXX ( XXXX/XXXX/XXXX ), XXXX XXXX XXXX XXXX/XXXX/XXXX ), And XXXX XXXX ( XXXX/XXXX/XXXX ). 

I have contacted who conducted the inquiry and asked them to remove their credit inquiry from my credit profile.

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 01-06-2017 about Consumer Loan (Vehicle loan) with CREDIT ACCEPTANCE CORPORATION (MD).
Issue: Problems when you are unable to pay

Complaint: I bought a car from XXXX XXXX on XXXX/XXXX/XXXX. The vehicle purchased was a XXXX XXXX XXXX with XXXX miles. I drove the car home and it stalled on me and was hard to restart once I made it back to my residence. Once I got it restarted it drove a bit but was hard to restart once I shut it off and tried to crank it up again. The next day it barely cranked over after numerous attempts it finally caught. I received a call from the lending bank ( Credit Acceptance Corporation ) and they wanted to verify my information before funding the deal. I did not verify my information with them because of the problems I just inherited. So I spoke with the rep for XXXX minute or less on XXXX/XXXX/XXXX. XXXX XXXX called immediately after hanging up with CAC and wanted me to call them back and verify my info and I said I could n't and was told to tell the bank I gave {$3000.00} for a down payment. However, I did no such thing. I gave XXXX XXXX a {$700.00} down payment and was scheduled to make another payment of {$500.00} for a down payment not {$3000.00}. They submitted paperwork to CAC stating I gave {$3000.00} in cash and that is a lie. CAC went through with the verification process without my consent and funded this deal and I have a account open with CAC where I am on the hook for {$18000.00}. This I found out after I took the car back to XXXX XXXX on XXXX/XXXX/XXXX and told them I did not want the car because of the issues I had the first day taking it home. They told they would look at it and fix it but I told them do n't bother I do n't want the car anymore because the deal was not completed ( verified by the bank and I ). XXXX XXXX lied about the down payment I gave, CAC accepted the lie and I am told I am stuck with the product of a fraudulent deal.

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 05-03-2016 about Credit reporting () with EQUIFAX, INC. (MN).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I contacted Equifax in XXXX of 2016 to request that the " any open disputes and all corresponding dispute remarks be removed from my credit file as I am no longer disputing any accounts on my report ''. I was told over the phone that all dispute remarks and disputes were removed as I waited on the phone. 

I then called today XXXX and spoke with Equifax again as I have been told by my banker that the disputes and dispute remarks are still showing up on my credit report.. I was told this morning by Equifax that their computers were down and to call back. 

I opened the disputes. I want all disputes closed and all dispute remarks removed from my credit file. 

This is hindering my ability to refinance my home! 

Close All Open Disputes and remove all Dispute Remarks from all accounts in my credit file and send me an updated credit report showing such changes were made.

Company response to consumer: Closed with explanation
Consumer complaint received 02/16/2018 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (NY).
Issue: Trouble during payment process

Complaint: I was notified in XX/XX/XXXX that I didn't currently have wells Fargo listed on my mortgage insurance. I called in on XX/XX/XXXX roughly at XXXX XXXX XXXX  XXXX to handle this matter. I had a three way call with wells Fargo and XXXX XXXX to resolve this. Both companies said they would take care of this so I thought I was all set. Today XX/XX/XXXX I checked my account and I was billed almost 300 dollars over what my actual mortgage payment was so I called wells Fargo. I spoke with XXXX XXXX and her assistant they told me that I didn't have insurance from XX/XX/XXXX/XX/XX/XXXX with XXXX XXXX. We got on a three way call with XXXX XXXX   they said they never received any payment from wells Fargo so they canceled my policy. Wells Fargo decided they would use their own insurance ( XXXX XXXX XXXX ) cause I didn't have insurance due to them not paying XXXX XXXX. I am just finding this out today cause of the increase in monthly payment. My total premium went from XXXX per year with XXXX to XXXX with XXXX XXXX XXXX. I have been paying the higher premium from XX/XX/XXXX/XX/XX/XXXX to XX/XX/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 monetary relief
Consumer complaint received 10/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX SS # XXXX XXXX XXXX / Equifax / XXXX XXXX/XXXX/XXXX RE : Request for Investigation of Unauthorized Inquirys Dear Sir or Madam, I checked my personal credit report, which I acquired from your organization in [ 2017 ] and I noticed several unauthorized inquiry had been made. 

I contacted [ XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX/, XXXX, XXXX XXXX XXXX XXXX , XXXX XXXXf XXXX ] , who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. 

I request that you initiate an investigation into [ these companies ] inquiry on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiry and send me an updated copy of my credit report at the address listed above. If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business days of the completion of the investigation. 

Thank you for your assistance in this matter,

Company response to consumer: Closed with explanation
Consumer complaint received 12-02-2016 about Bank account or service (Checking account) with KEYCORP (NY).
Issue: Account opening, closing, or management

Complaint: Key Bank XXXX XXXX has reported ATM machine abuse on my XXXX report. This was reported XX/XX/2014. The incident they are reporting was an account closure due to letting someone else have access to my PIN number which was against their policy and they closed my account. No money is owed the report shows paid in full. Due to the use of the term ATM machine abuse I am denied any bank accounts which is making it very difficult to rebuild my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 07/16/2017 about Student loan (Private student loan) with Navient Solutions, LLC. (CA).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: I have been paying back my XXXX XXXX student loans for many years now. A few years ago I made a big push to pay them off, including the loan being handled by Navient. I have spoken to customer service representatives from Navient several times ( in XXXX, XXXX, XXXX & XXXX ) and was always told that extra payments are always applied to the principal and not the interest. Calling Navient is a stressful experience and calls can last at least 45 minutes sometimes ( including time on hold ), so it was and is still not easy to follow up when it seemed like they are not applying my extra payments to my principal. In XXXX, I started writing on my payment stubs and checks that I wanted the extra payment to be applied to the principal, it never was, not even once. OnXX/XX/XXXX Navient received a payment from me for {$6000.00}, with a note requesting the entire amount be applied to my principal. My payment history on Navient 's website shows that of the {$6000.00} they received, {$5900.00} was applied to the principal and {$24.00} was applied to interest. My payment history on Navient 's website consistently shows that, even though the amount due has been {$0.00} for months, my extra payments have never been applied just to the principal, but to the interest as well.
<P/>
InXX/XX/XXXXI started making direct payments from my bank account, so I am no longer able to request in writing that the extra payments be applied to the principal ( however in the past I was told I did n't need to put it in writing ). At this time, according to my very careful calculations, I should owe {$3900.00} on my loan, although it may be less based on how confusing Navient 's payment application processes are. According to my statements from Navient, I currently owe {$5700.00}. I do n't understand how so much interest could have accrued when I am making extra payments, which are always being applied to the interest.
<P/>
In addition to not applying my extra payments to the principal, Navient does not allow me to make separate payments on each loan, which would allow me to pay off the higher interest loan first. I have requested this option from customer service and they have said they ca n't do that.

Company response to consumer: Closed with explanation
Consumer complaint received 03-03-2017 about Payday loan () with GVA Holdings, LLC (NJ).
Issue: Charged fees or interest I didn't expect

Complaint: I received a payday loan from West River Cash for the amount of {$350.00} and after 1 payment of {$120.00} and another 3 for {$100.00} that the principal only went down to {$340.00}. The representative informed me to pay in full it would be over {$400.00} after paying them {$430.00}. They have me on an 18 month repayment cycle of {$100.00} a paycheck. The representative could n't answer why I would be paying roughly {$1800.00} for a {$350.00} loan. The representative, XXXX, said I have been making the minimum payments whereas the {$120.00} payment only affected the principal by XXXX cents. They only thing XXXX mentioned to me was speaking to an account manager and I did n't want to receive any abuse or harassment of any kind by an account manager.

Company response to consumer: Closed with explanation
Consumer complaint received 12-08-2015 about Credit reporting () with Experian Information Solutions Inc. (KY).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I am requesting for the last time with this notice that the following inaccurate items be removed from my credit report. XXXXAccount Number : XXXX.The item are not correct result of ID THEFT and is causing me financial distress because of their derogatory information. Appropriately, I can show a judge at XXXX County OHIO that these accounts are inaccurate and that you violated the Fair Credit Reporting Act by ignoring my requests to investigate the items correctly. My previous letters stated my reasons for an investigation and these reasons were not frivolous in any way. If this final request does not prompt you to conduct a proper investigation of the accounts in question, and send proof to me of said investigation, how it was done with who with contacts actions I will file a civil suit in XXXX County Against Experian for damages. I take my credit very seriously and your lack of proficiency and assistance is unacceptable. I am well aware of my rights under the FCRA and intend to pursue them to the maximum. You responded to be on XXXX via email with Outcome : Remains. It appears obvious to me that you are abusing your power under the FCRA to escape a complete investigation. I standby the right to sue your credit bureau for violations of the FCRA and I believe I can prove to full extent, that you did not use reasonable measures to insure the accuracy of my credit reports and now you are stalling the process further. I am irritated at your indictment and I have consulted with the court my rights in regards to my credit file. I look forward to your expediting my original request immediately. When someone is the victim of identity theft, it is simply a nightmare trying to get false information removed from a credit file.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/16/2016 about Student loan (Federal student loan servicing) with AES/PHEAA (TX).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: I applied for an income driven repayment plan ( REPAYE ) and my loan servicer, FedLoan Servicing, decided to sign me up for the standard plan instead. I filled out the application and transferred the tax info. I do n't know what the problem is. They pulled the same XXXX last year and it took two months and multiple phone calls to get them to sign me up for the plan I requested. They also do not respond to emails, and I can not afford to take a day off of work to figure out why they can not do their jobs.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Today, XXXX XXXX I received a credit alert that my credit score decreased. This decrease also reported to all three credit bureaus. The reason for the 22 point drop was because XXXX XXXX XXXX ( XXXX XXXX ) added a comment of " Natural Disaster ''. So I called and spoke with a customer service rep, which was no help at all and kept having a small giggle. So I asked for a supervisor, to explain to my why that comment was added. I paid my balance down significantly, on my own with no assistance from XXXX XXXX XXXX ( XXXX XXXX ). The supervisor informed me that they put that comment on all there clients credit reports because the credit card services was offering a XXXX day no interest, late fees on the credit cards. I said, I understood that. However, I did not get any assistance in that nature because I paid my card down on time and it was not late. So technically, that remark should have never been added to my account on my credit. I informed her that putting remarks like that DECREASES consumers scores. My score showed going up for the decrease in balance then dropping 22 points due to the natural disaster remark. The supervisor stated, she will request for that to be updated and removed and they did n't realize it would dropp consumers scores. She also, informed me that if I wanted to go ahead and file a complaint then I can do that as well. So here it is. Now I want to know how I will get my 22 points back? I 'll wait. I do n't know about anyone else, but my credit is VERY IMPORTANT to me and I work hard to keep it up.

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 10/24/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
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: From the time period mid XXXX through mid XXXX Bank of America allowed purchases to be processed over my {$5500.00} credit card limit to a sum of over {$25000.00}. In the background an individual was suppose to be paying these charges but falsified a XXXX XXXX account and was paying these charges with a non functioning account. B of A continued to allow additional items to be purchased. When calling their XXXX number on back of my card the recordings always told me that I had a zero balance which led me to believe all payments were processed. I feel I 'm responsible for all charges up to my limit but the remaining {$20000.00} plus is due to their internal processes and failure to recognize fraudulent activity.

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 12-04-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (MI).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: I have my Federal student loans serviced through Navient, who requires an annual income recertification to remain in an income-based repayment plan. I resubmitted my documentation in XXXX, yet the lender allowed my plan to expire on XXXX XXXX, which tripled the payment. I contacted Navient, whose representative stated that " they did n't know why my certification was not processed, '' but they did offer to put a forbearance on the account for two months to give time for me to submit a new request to update my plan or reenter my old income based repayment. This will add thousands of dollars of additional interest to the principal. This also happened in XXXX, where I was led to pay {$1400.00} to settle the elevated payment so I could remain current and avoid disqualifying myself for the public sector loan forgiveness program.

Company response to consumer: Closed with explanation
Consumer complaint received 03-08-2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: An entry was deleted by my TransunionXXXX and XXXX credit reports. The account was held by XXXX XXXX XXXX XXXX XXXX this debt was originally with XXXX XXXX and removed it then has been sold to XXXX it was removed and has now reappeared. I wrote to Transunion and XXXX about this collection and no response and nothing has been done. It seems very unfair that a debt can be removed and reappear reaged, and also with another company to disguise it.

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 08/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: On both XX/XX/XXXX andXX/XX/XXXX I applied for vehicle loans. All three repoting agencies are showing multiple hard credit checks ( 9 in total ) for these two dates despite them originating from the same dealer. There should only be two hard inquiries present.

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 06-02-2015 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: XXXX XXXX Bank XXXX XXXX As per the Florida statue : 95.11 ( Title VIII Chapter 95 section 11 ) the statue of limitations for collections of this debt has expired. Please immediately remove evidence of any outstanding debt owed from my credit report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/18/2016 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: XXXX. These accounts has been removed from my credit report : XXXX File # XXXX, Investigation Date XX/XX/2015, From the Company XXXX XXXX : Amounts {$480.00}, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX. I have already called the Company who send the accounts to collections, FL. Hospital. They said that once they send the accounts to collections they have nothing to do with the accounts anymore. I have disputed these same accounts 3 times from XXXX different companies and they were removed, now these same accounts is on my credit report again from a different company ( XXXX XXXX XXXX XXXX ). THIS HAS TO STOP. I ca n't move forward to improve my credit untill this matter is over with. PLEASE STOP THESE ACCOUNTS FROM CONTINUING TO COME ON MY CREDIT AGAIN. All of these accounts has been removed. THANK YOU XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief