milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10/29/2015 about Debt collection (Credit card) with PAYPAL HOLDINGS INC. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Pay pal credit says I owe them money and turned it over to a collector. I do not have a pay pal credit card nor did I ever sign up for XXXX. The debt collector they hired has been calling me and my wife every day for the past 8 months. Tired of the phone ringing! I talked to them XXXX time before and told them to stop calling me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09-03-2015 about Credit reporting () with Experian Information Solutions Inc. (NJ).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: I have had XXXX list a debt on my credit report. XXXX and XXXX have both removed it off my credit report, however it has appeared back on my Experian report. This was a fraudulent account opened and I would like for it to be removed as it is harming me negatively. Experian also has these inquiries listed on my account that i never run and I would also like that removed as this is also harming me : XXXX, WA, XXXX ( XXXX ) XXXX XXXX, GA, XXXX ( XXXX ) XXXX, MA, XXXX ( XXXX ) XXXX XXXX, MN, XXXX ( XXXX ) XXXX XXXX, FL, XXXX ( XXXX ) XXXX XXXX, WI, XXXX ( XXXX ) XXXX XXXX, MD, XXXX ( XXXX ) XXXX, CA, XXXX ( XXXX ) XXXX, OH, XXXX ( XXXX ) XXXX XXXXThese inquiries and false reporting on my experian report is harming me greatly because it has been proven by the rest of the credit bureaus and IRS that i have been a victim of Identity theft.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01-11-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: XXXX trans union XXXX several vendors I have repeatedly sent certified letters to the credit unions several certified letters to all vendors in question uncountable number of on line complaints to all I continue to request proof signed credit appls signed loan agreements no one has ever proved any proof and keep refuse to prove it and product anything I signed and refuse to ever look in to it because they keep claiming verified with no proof this must be a criminal act after 18 months. this is so wrong why should I have to pay XXXX. dollar for each credit union and each vendor that continue no break the FCRA and FDCPA

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 11/19/2017 about Payday loan, title loan, or personal loan (Installment loan) with ONEMAIN FINANCIAL HOLDINGS, LLC. (VA).
Issue: Charged fees or interest you didn't expect

Complaint: Plaintiff, XXXX XXXX XXXX, states his complaint as follows : Plaintiff is an individual who now resides in XXXX , Virginia . 
Defendants OneMain Financial Plaintiff entered into a loan agreement with One Main Financial XX/XX/XXXX. 
The original loan amount was {$10000.00} which was deposited in my XXXX XXXX account on XX/XX/XXXX On XX/XX/XXXX One Main mailed a statement which represented a balance of {$10000.00}. Plaintiff inquired about the {$500.00} increase and was informed that it was not part of the loan To date the account has not been adjusted. 
As a result, the interest rate ( MAPR ) exceeds the maximum interest under the MLA.

COUNT I Violation of Military Lending Act 1. Plaintiff incorporates the previous allegations of his Complaint as if fully set forth herein. 
2. Defendants actions as set forth above constitutes violation of the MLA.

3. One Main actions included undisclosed fees which was not verbally expressed to applicant.

4. In addition, One Main actions increased the MAPR over the maximum amount under MLA

Company response to consumer: Closed with explanation
Consumer complaint received 08/23/2016 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (CA).
Issue: Account opening, closing, or management

Complaint: I was originally a client of XXXX, then Wachovia Bank which were purchased by Wells Fargo Bank. Consequently, I had not signed any document concerning an arbitration clause with Wells. 
On XX/XX/2013, I received a package of forms entitled " Consumer Account Relationship Change Application '' from Wells Fargo directing me to submit new signatures for my accounts to '' protect '' them from fraud and fight terrorism. Buried in the fine print text below the signature line was a clause stating that by signing the document, I agree to arbitration and not a jury or judge trial in any dispute with the bank. Needless to say, I signed nothing. The bank resorted to trickery to instigate their forced arbitration. 

PS : I still have the Wells Fargo letter if you are interested. 
. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX 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 explanation
Consumer complaint received 06-05-2017 about Debt collection (Other debt) with I.C. System, Inc. (FL).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I have contacted this agency through the credit bureaus. I 've made multiple requests for verification and validation of this debt. I have received neither. Also, the debt collector, IC System is not licensed and bonded to collect debt in the state of Florida. However, they have made multiple attempts by mail to collect on this debt. And are reporting negatively on all the major credit bureau reports.

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 02-03-2018 about Student loan (Federal student loan servicing) with AES/PHEAA (AL).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: I filed for Loan Forgiveness on XX/XX/XXXX with XXXX. On XX/XX/XXXX, I adjusted my payment plan to a Pay as You Earn ( PAYE ) plan, per the requirements of the Loan Forgiveness program. An additional requirement was that my loan servicer became XXXX. I filed all of the appropriate paperwork, and was told that, after switching to an income-based plan, my monthly payments would be {$220.00} per month. My loans were then transferred from XXXX to XXXX and I began my monthly {$220.00} payments on XX/XX/XXXX. On XX/XX/XXXX, I re-filed my Income-Driven Repayment plan request ( IDR request ) for the Loan Forgiveness program with XXXX ( and nothing about my income, employer, residence, etc has changed ). I was told that, based on my income level, my monthly payments should be {$10.00} per month, beginning XX/XX/XXXX. I contacted XXXX Customer Service Department on XX/XX/XXXX to inquire about why my monthly payment has drastically decreased despite nothing about my employment or income has changed. I was told that I should have been paying {$10.00} per month all along, and it must have been an " error '' from my previous loan servicer, XXXX. The gentleman from XXXX told me that, XXXX must not have had all of the information to complete my PAYE request on XX/XX/XXXX, although I received confirmation of my request from XXXX, and that I had been paying the standard payment. I also have no record of being informed that XXXX could not complete the IDR request and were therefore doing to change me to the standard payment plan. The gentleman told me that XXXX could not reimburse me for my excessive payments for the last year because they charge what my previous loan servicer told them to charge.

Company response to consumer: Closed with explanation
Consumer complaint received 02/28/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Transunion, XXXX and XXXX are allowing lenders to access my credit file and then ruin my credit report by allowing lenders to do 17 hard inquiries on my report without my concent. XXXX XXXX at XXXX XXXX XXXX XXXX has used this information incorrectly and as a result lowering my credit score. I only gave permission to allow one hard inquiry on my report, instead they spent 3 days applying for credit in my name without my permission. I also gave XXXX permission to only run my credit score once. So, what these lenders are doing, is reporting false information to the reports so we are stuck paying them instead of moving up in the world and getting decent credit. So, they are all in direct violation of Anti-Trust Federal Law and Ive been collecting evidence on this activity for sometime now that will hold up in a court of law. I'm never financing anything ever again. You can keep your corrupt low credit scores and reports. Completely worthless waste of space. It is interesting though, how you have XXXX XXXX in revenue and are living large. Where is all your money coming from? It isn't coming from me anymore. Keep your scores and reports. YOU ARE WORTHLESS TO ME> I AM NEVER PAYING INTO YOUR SYSTEM EVER AGAIN>

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 05/31/2017 about Debt collection (Credit card debt) with ENCORE CAPITAL GROUP INC. (DE).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I am continuously receiving phone c alls from MIDLAND FINANCIAL DEBT COLLECTORS from MULTIPLE phone numbers. I have REPEAT EDLY asked them to NO LONGER call me and correspond with me v ia U.S. Mail. They CO NTINUE to call me at ALL hours of the day from  XXXX  EST -  XXXX  EST. They repeatedly disregard my request to correspond ONLY with Mail and that they are harassing me. I have blocked every number from them. Here  are a few of the numbers they have called me from with dates and times. This is just in the last TWO  WEEKS :  XXXX  -  XXXX   XXXX , MI -  XXXX / XXXX / 17   XXXX ,  XXXX / XXXX / 17   XXXX   XXXX  -  XXXX , NV -  XXXX / XXXX / 17   XXXX   XXXX  - Unknown Location -  XXXX / XXXX / 17   XXXX ,  XXXX / XXXX / 17   XXXX ,  XXXX / XXXX / 17   XXXX   XXXX  - Unknown Location -  XXXX / XXXX / 17   XXXX ,  XXXX / XXXX /   17   XXXX ,  XXXX / XXXX / 17   XXXX  -  XXXX / XXXX / 17   XXXX   XXXX  -  XXXX , NJ  XXXX / XXXX / 17  -  XXXX / XXXX / 17   XXXX   XXXX  -  XXXX   XXXX , CO -  XXXX / XXXX / 17   XXXX   XXXX  -  XXXX , NV  XXXX   XXXX / XXXX / 17   XXXX ,  XXXX / XXXX /   17   XXXX   XXXX  - Unknown  Location  -  XXXX / XXXX / 17   XXXX   XXXX  - Unknown Location -  XXXX / XXXX / 17   XXXX ,  XXXX / XXXX /   17   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 06/28/2016 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (OH).
Issue: Loan modification,collection,foreclosure

Complaint: My mortgage loan was sold during foreclosure proceedings and I was not given prior notice. I received the notice on XXXX XXXX 2016 and the date ownership transfered was XXXX XXXX 2016.

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 08/31/2017 about Vehicle loan or lease (Loan) with Mid-Atlantic Finance Co., Inc. (FL).
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint: I am writing in reference to our auto loan that was bought by this company in XXXX XXXX from a local buy here pay here dealer. We were told that the terms of the contract would remain the same and it was just a transfer. Our loan terms indicate that we make a payment on the XXXX and the XXXX of each month in the amount of {$140.00} ; however XXXX calls us every other week claiming a payment is due. From XXXX to the present date of XXXX XXXX, XXXX we have received over 30 collection calls from them as well as written correspondence. These calls were not warranted and have no merit based on our original contract signed by us. I have called midatlantic twice to request a copy of our terms and contract and was told that it 's the same as whatever I signed with the dealer but they still have not provided me with a copy. The only information we received was them informing us that they bought our loan. If in fact the contract is the same then we should only have payments due on the XXXX and the XXXX and not every other week as they are saying in their collection calls. Additionally we had a 10 day grace period to make payments without any penalty but this has not been honored as their system is not accurately showing our payment due dates. This is predatory and harassing to repeatedly call customers before the payment due date and every single day following. My most recent collection call was received today XXXX/XXXX/XXXX, one day before the payment is due and this has been going on for months now. When I tried to explain to the rep my concern he stated their system was not showing payments were on the XXXX and XXXX and he would get a supervisor to review it. When we purchased from the previous dealer it was with the intent of doing business locally and having the ease of going to an office to make a payment on the XXXX and the XXXX in the amount of {$140.00} ; however with Midatlantic there are not any local offices and in order to pay by convenience there is always a fee associated, ie. XXXX XXXX, XXXX XXXX or credit card payments. They all are attached with additional fees so our payments now range from {$150.00} with a online credit card payment to {$160.00} using XXXX XXXX or XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 05/23/2016 about Credit reporting () with EQUIFAX, INC. (NV).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: XXXX IS REPORTING XXXX XXXX XXXX PLEASE NOTE IM A MEDICAID PAITENT IN NYS UNDER NYS LAW THE PROVIDER CANT BILL ME ONCE THEY HAVE TAKEN MEDICAID IF I DONT GET THIS REMOVED ASAP I WILL BE SUING

Company response to consumer: Closed with explanation
Consumer complaint received 03-08-2017 about Credit reporting () with EQUIFAX, INC. (IL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I contacted XXXX regarding the sudden drop of my credit score. I noticed after being denied for an apartment that there were unauthorized accounts on my report. I asked Equifax to provide the paperwork submitted to them by the reporting companies and their response was they have submitted request to the companies for the documents. This is a violation of Section 609 of the FCRA which states that signed consumer contracts must be submitted and verified before reporting accounts, not afterwards. I am also not giving authorization to Equifax to report the accounts that I listed on the letter and I request their immediate removal.

Company response to consumer: Closed with explanation
Consumer complaint received 02-03-2017 about Debt collection (I do not know) with Trident Asset Management, L.L.C. (TX).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: This company has not verified the debt. There is no contract with my signature sent per request.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08-03-2015 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (SC).
Issue: Problems caused by my funds being low

Complaint: I THINK YOUR BANK HERE IS DOING SOME FRADULENT TRANSACTIONS WITH MY ACCOUNT, FOR THE LAST TWO MONTH I HAVE HAD ALL OF MY XXXX SOCIALSECURITY CHECK TAKEN TO THE LAST PENNY.IM A WIDOW AND IM XXXX WITH XXXX, .THEY ARE LETTING XXXX RUN MY ACCOUNT SEVERAL TIME IN EACH MONTH SO THAT THEY WILL GET THE FEE PLUS XXXX WILL GET THEIR PYMT.IT ONLY ONCE A MONTH I PAY THEM AND I DIDNT AGREE FOR THEM TO TAKE IT OUT OF MY BANK ACCOUNT EACH MONTH.NOW THIS WILL BE 2 MONTH I HAVE HAD TO GO WITHOUT MEDICATION OR FOOD OR BILLS PAID.THEY ARE RIPPING PEOPLES OFF HERE THROUGH YOUR BANK AND IM NOT THE FIRST ONE .IM HAVING AN ATTRONEY SUE.I WANT MY ACCOUNT CLOSE WITH WELLS FARGO AND THEY SEEMS TO DONT WANT TO LET ME CLOSE OUT MY ACCOUNT.I HAVE OPEN AN ACCOUNT WITH ANOTHER BANK AND HAD IT CHANGE BY THE XXXX PEOPLES AND IT WERE NOT CHANGE THROUGH WELLS FARGO.THE GOVERMENT IS IN THIS WITH ME SO ARE FOLLOWERS OF THE SAME THINGS HAPPEN TO THEM.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11/26/2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (FL).
Issue: Identity theft / Fraud / Embezzlement

Complaint: Capital One is reporting an inquiry on my credit reports and I never applied for anything with this organization. I am asking for the fraudulent inquiries to be deleted. They were discovered when I saw on XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/25/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with WELLS FARGO & COMPANY (CA).
Issue: Getting a credit card
Sub-issue: Delay in processing application

Complaint: I applied for another credit card from my existing bank where I am a long time and premier customer. The application was submitted  XXXX   XXXX  online and I received email confirmation indicating that my application was received and will be processed. If for whatever reason the application was denied, I would be provided a verbal explanation. If there were no isssues, the card would be sent with in 5-7 bu siness days. On Monday  XXXX   XXXX , I called the bank inquiring about the card because I received mail about my fico score ( above  XXXX  ) and I check on my online banking and it shows the new credit card as {$0.00} balance and part of my account summary. Because I had received  the credit score notific ation and saw the card on my online banking, I assumed that the card was approved however I had not yet received it, which was concerning. When I called  Wells Fargo  on  XXXX   XXXX , I was told that the card was not sent yet but since I a a premier customer it can be shipped to me in 2-days free of charge. I sai d ok. Today I re ceived a  XXXX  package with the wrong card. They sent me a replacement card from  XXXX  of my existing credit cards that I did not ask for. I just called  Wells Fargo ri ght now,  XXXX   XXXX , to indicate that the wrong card was sent and that I am greatly concerned about the Visa that I have still yet to receive. She indicated that the card was sent on  XXXX   XXXX  and that the banker I spoke to on  XXXX   XXXX  was incorrect.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/20/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Hunter Warfield, Inc. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Account was reinserted to credit report with my knowledge.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 12/28/2015 about Debt collection (I do not know) with Northeast Collection Bureau (ID).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Northeast Collection Bureau repeatedly calls, from varying phone numbers, giving different names, always with a harassing tone, claiming they have a debt that needs paying. They refuse to name the original creditor or the amount owed. Currently do not have any debt in collections associated with this company. They have been told repeatedly to cease calling. Ignored. I 've researched the company name online, and found many complaints that they are a scam agency, scaring people into paying them, and that many of their targets had to get legal counsel or police involved to stop the harassment.

Company response to consumer: Untimely response
Consumer complaint received 07/22/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Capital Accounts, LLC (CA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: told XXXX times to mail not call. XXXX time would not give me address to send cease of communications notice. would not provide address unless i " talked about the debt '' like did i think i did not owe the debt etc etc.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06-06-2017 about Student loan (Federal student loan servicing) with AES/PHEAA (CA).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: I have written the organization more than 4 times for assistance. I followed CFPB guidelines on how payments should be  processed ( there is a sample letter from your organization instructions for payments be made on the highest loan first ). At first I was told it would take time to process but after months I called to file a complaint. I then was told it had been corrected. My most re cent payment was still processed incorrectly

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 EQUIFAX, INC. (MD).
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint: I filed a previous complaint against Equifax case number XXXX which has been resolved, but since I filed the complaint Equifax blocked me from assessing my credit profile. 

1. Equifax placed security questions on my credit profile that has nothing to do with me.
2. I called them several times and can not get the issues resolved. 
3. One of the security questions say that I open an auto loan/lease, I have no car loan or lease.
4. The payment for the security question says I that the auto loan/lease is between {$700.00} - {$1000.00}. Now the change the payment questions to {$75.00} - {$270.00}. 
I have no open credit, but my student loan. 
5. The security says that I have open credit cards, which I do n't. 

This only occurred after I submitted my complaint against Equifax.

Company response to consumer: Closed with explanation