milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01-03-2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: I wrote to Transunion to have them remove some addresses and they removed and then re-reported them again on XXXX XXXX, 2017. These addresses are not where I live nor tied to any accounts I have and should not be on my credit report.

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 02-08-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with AFNI INC. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I checked my credit reports and viewed that AFNI, Inc. placed another collection record on my credit report. On or about XXXX XXXX, 2016 I filed a complaint with the Consumer Financial Protection Bureau ( Case # XXXX ). On or about XXXX XXXX, 2016 AFNI responded to my complaint by stating they will cease communication and that AFNI, Inc. does not own my account. The amount that AFNI, Inc. wanted me to pay was {$550.00}. In reference to the recent actions of AFNI Inc. placing another collection record on my credit report which is damaging my credit worthiness and credit score stating that I owe {$220.00}. AFNI, Inc. knowingly and willingly violated the Fair Debt Collection Practices Act ( FDCPA ) & The Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 10/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NC).
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint: I am having issues with creditors being able to pull my Equifax credit report. I have applied for credit with my bank, XXXX and get denied because there is no credit history. I was part of the Equifax breech and I enrolled in trustedID XXXX and when I update my report, there are no accounts 0 for everything. I 've tried to pull my 3 bureau report with other credit monitoring companies and because something is going on with Equifax, it will not give me my score. I have called Equifax and they verify there is no freeze and say there is nothing wrong on their end because they can pull up my file, but no one else can, not even me! I called TrustedID and they say the same thing, but no matter what I do or where I go for credit, no one can access Equifax. I have XXXX and XXXX credit monitoring services and they update daily. I have XXXX and XXXX and XXXX scores are updating, however, Equifax will not update.

Company response to consumer: Closed with explanation
Consumer complaint received 09/22/2017 about Debt collection (Other debt) with Ability Recovery Services, LLC (GA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I called this AGENCY several times and was toed to dispute the dedt.They never asked my name or why it was not my bill.The hang up in my face.

Company response to consumer: Closed with explanation
Consumer complaint received 01-08-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CAPITAL ONE FINANCIAL CORPORATION (MI).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: I have two Capital one credit cards that are closed at consumers request on all credit reports.I have disputed info many times and even called capital one credit services to fix issue.Nothing works to resolve issues.On accounts XXXX and account XXXX I was late paying and even stopped paying because of layoff from work and financial difficulties.After many letters to pay from capital one and even collection letters from capital one, they closed my two accounts at consumers request.I eventually went back to work and was able to make payments again.I called Capital one to make deal to repay balance owing in payments and in return to delete both negative/closed accounts from all credit reports.They accepted deal but did not fulfill there end of the deal to this day.On account XXXX, I opened XX/XX/XXXX and last payment was on XX/XX/XXXX and they closed the account 0n XX/XX/XXXX.On account XXXX, I opened on XX/XX/XXXX and last payment was on XX/XX/XXXX and they closed account on XX/XX/XXXX.As of today these two closed accounts are still on all credit reports impacting my credit and score.Me and Capital one made a deal and they have not fulfilled there end of the deal.

Company response to consumer: Closed with explanation
Consumer complaint received 08/15/2016 about Bank account or service (Other bank product/service) with First Data Corporation (GA).
Issue: Using a debit or ATM card

Complaint: I purchased an item online from XXXX XXXX XXXX ( XXXX ), but they did not ship the item. When I contacted them they refused to provide a refund. I contacted my debit card issuer ( XXXX ) and all I have gotten is the runaround, no provisional credit, nothing.

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 11-09-2017 about Credit card or prepaid card (Store credit card) with Alliance Data Card Services (NY).
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint: I emailed XXXX XXXX XXXX on XX/XX/XXXX about a duplicate payment deducted from my XXXX account in XX/XX/XXXX. XXXX XXXX XXXX responded with a message to me on XX/XX/XXXX, stating that the balance due on my XXXX account is {$18.00} on the due date XX/XX/XXXX and I still have to make a payment. I then contacted XXXX XXXX XXXX and spoke to two Customer Care Representatives. Both XXXX XXXX and XXXX XXXX explained to me, that I scheduled pre payments with another representative on XX/XX/XXXX to  deduct {$10.00} from my XXXX account on the XXXX of every month ; XX/XX/XXXX- XX/XX/XXXX. I then informed the representatives, that they should have paid more attention, for I made a payment in person at the XXXX XXXX XXXX store on XX/XX/XXXX in the amount of {$10.00}. Both representatives did say that they saw the payment being received on that day. However, they are not able to reverse the payment deducted from my account to their system. I then stated to the representatives that this is an unauthorized charge without me knowing until after the payment was done. I requested a refund back to my XXXX account and the representatives refused to honor my request.

Company response to consumer: Closed with explanation
Consumer complaint received 11/19/2015 about Debt collection (Credit card) with ZENCO COLLECTION, LLC (NJ).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: On XXXX, I was contacted by phone by XXXX XXXX ( XXXX ) from Zenco Collections regarding a debt from XX/XX/XXXX with XXXX. I explained that the debt was not valid as I had returned the merchandise in XXXX and that the debt in question was from 19 years ago. I was informed that the debt was not closed out by XXXX until XX/XX/XXXX and Zenco had until XX/XX/XXXX to collect on this debt. They informed me that if I did not pay a {$250.00} settlement on a {$480.00} debt that could sue me and I could end up paying up to {$4000.00} instead. They were attempting to mislead me that the debt is newer than it is by stating that I 'm responsible for the time between when the lender closed the debt and the end of the statute of limitations, and that the statute of limitations was at least a year longer than it is in the state of NJ, and that I can be sued by them for this debt which dates back to XX/XX/XXXX and no payments have been made since that time.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/24/2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (MI).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: The company " Navient '' recently raised my monthly premium with no communication or authorization from me. Navient employees harassed me with phone calls, some times as many as 6 a day stating I was past due on my account even though I authorized them to withdraw a specific agreed upon amount on a monthly basis for specific amount of time. Also, the company " Navient '' does not offer sufficient payment options to their customers. For example, the only option to pay online is a withdraw from a checking account.

Company response to consumer: Closed with explanation
Consumer complaint received 03/27/2018 about Checking or savings account (Checking account) with BANK OF THE WEST (CA).
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint: I ordered a computer from XXXX, using my Bank of the West debit card. They charged a pre-auth charge initially, taking it from my account and then shipping the PC, after which they removed the charge. Then they later tried to charge me again, at which point the machine was already according to XXXX tracking in my city, and my account did not have enough funds so they intercepted the shipment and had it sent back to XXXX saying they would issue a refund that I should see within 3 days. It has been a week now ( over double that ) and they refuse to tell me if a refund is even in order. I have received no machine from XXXX. I have contacted BOTW to file a dispute but they refuse to mail me affidavit forms that I must fill out and mail back and then wait 10 days to be processed in order to see if I am even eligible to get my money back. This is MY {$1200.00}, it was stolen from me and I never received the product. I want it back immediately. I believe Bank of the West has stolen from me, in accomplice with 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 12-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CITIBANK, N.A. (GA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: There are multiple credit inquiries that I did not authorize on my credit report by the creditors. I sent letters to the credit card companies as well as the credit bureaus on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX notifying them that I never authorize my credit to be pulled. I sent to XXXX advising that the following hard pull inquires are not authorize by me : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX- XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 03-09-2016 about Credit reporting () with EQUIFAX, INC. (CT).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: Equifax removed/corrected dates ( DoFD ) on a old XXXX account per this dispute. Several days later they restored back the old information with even earlier dates and worse payment information without the required notification that they were adding back the information they had previously removed under the dispute.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10-04-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (SC).
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint: On XX/XX/XXXXthe card was used to pay an air ambulance fee ( {$18000.00} ) for a friend who had a XXXX XXXX on a cruise ship. This friend is a retired XXXX Veteran. As one can imagine this medical emergency resulted in significant fees for the family. Once my friend was stable and the family could begin making payments on their outstanding debts they worked hard to pay this one off first. The balance was paid off from XX/XX/XXXX to XX/XX/XXXX. The final payment was made on XX/XX/XXXX including {$130.00} interest. 
In XX/XX/XXXX the insurance company reimbursed the air ambulance company which reimbursed the Citi card. I contacted Citi on two occasions to let them know the credit was on its way and that I wanted it directly transferred to my checking account. I informed them this was funds that did not rightfully belong to me and needed i needed to refund. On XX/XX/XXXX the credit was applied to my account. On XX/XX/XXXX I called to make sure the refund was being processed. I was informed that they would begin the process ( it had not started despite my previous direction ) and I should have the money no later than XX/XX/XXXX. As of today XX/XX/XXXX the credit is still on my account waiting a second manager " approval ''. This is unacceptable I need the money and have informed them of this every day since Saturday, XX/XX/XXXX. They have told me " they '', or a " manager '' would call me back but no one has. If anyone treated them with such disregard they would face penalties and interest of significant amounts. This is an easy transaction to follow, the approval should not be time consuming except for the fact Citi wishes to use this money for their own benefit. I think that is wrong!

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 04/15/2015 about Mortgage (Conventional fixed mortgage) with FIFTH THIRD FINANCIAL CORPORATION (IN).
Issue: Loan servicing, payments, escrow account

Complaint: I have made multiple complaints for the unfair deseptive and abusive acts regarding my mortgage with Fifth Third Bank. The mortgage lender in question has continually charged me unwarrented fees and claims the charges are property taxes. When I logon to the XXXX XXXX XXXX XXXX website my property taxes are {$240.00} on a semi annual bases ; Fifth Third Claims that my property taxes are {$520.00} on a semi annual bases. Fifth Third Bank has caused unavoidable damage in the effect of increasing my mortgage payment by over {$100.00} per month. I need help with this matter I can not afford to pay the money that the lender is demanding. I have yet to get help from UDAAP, FTC or CFPB this is clearly a case of a lender taking advantage of the under informed and leveraging their financial power over a consumer with limited resources.

Company response to consumer: Closed with explanation
Consumer complaint received 05/27/2017 about Vehicle loan or lease (Loan) with FIFTH THIRD FINANCIAL CORPORATION (PA).
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint: I had financed with fifth third bank with amount of {$16000.00} for  XXXX   XXXX   XXXX . This financing on  XXXX   XXXX .  XXXX  monthly  XXXX  with late fees it would be {$320.00}. I found the loan was  XXXX .!!!!!!!  Want  more explain for this intersting. When I counted my payment it 's above {$1500.00} roughly. Paid off {$7000.00} with late charge {$340.00} and {$350.00} with last month of paid off before  XXXX   XXXX . I talked with them and how to calculate this payments they did n't explained or cerified my right. This financial institution I am not trust their process of this loan payment since I was starting my loan.

Company response to consumer: Closed with explanation
Consumer complaint received 02-07-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with NCC Business Services, Inc. (IN).
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint: While attempting to refinance my home the title company has come across XXXX liens on my property that appear to be filed by the collection agency to collect a debt that was not my debt originally. Thus debt tagging is what appears to be taking place. I have notified them directly to assist with taking care of this illegal practice. 
I have also attached the documents that I have submitted to them directly. 
I had an incident in XX/XX/XXXX from XXXX collections to try and collect a debt that was not mine. In all instance our names are similar.

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 09-06-2017 about Payday loan, title loan, or personal loan (Title loan) with KEYCORP (KY).
Issue: Problem with the payoff process at the end of the loan

Complaint: A title loan ( refinance ) was opened on XXXX/XXXX/XXXX with Key Bank. This institution is based in XXXX, Ohio. I live in XXXX Kentucky. There were branches nearby at the time of taking out this loan. Since this time, all Kentucky branches have closed. 

The account was paid in full ( online ) on XXXX XXXX, XXXX. Since this payment was made, Key Bank sent a Lien Termination letter with notarization, but did not otherwise seek to release the lien with the XXXX XXXX Clerk 's office. 

On XXXX XXXX, XXXX, I traded this vehicle at a dealership in XXXX, Kentucky. Since this time, both the dealership and I have tried to release the lien on the vehicle with no success. 

Kentucky requires that form TC XXXX ( as required by the Kentucky transportation cabinet ) be completed by the lien holder and will not accept a lien termination letter. 

Key Bank does not have this form on file and has failed to attempt to release the lien. They have only sent extra copies of the lien termination letter. I have been forced to fill out this form and fax to Key Bank with the hopes that they will comply and fax a copy, with a forwarded original to the XXXX XXXX XXXX 's office.

Company response to consumer: Closed with explanation
Consumer complaint received 04/14/2017 about Debt collection (Medical) with Debt Recovery Solutions, LLC (GA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I asked to see the contract that I signed stating these were medical bills that I owed ( had insurance ). They told me these were my debts and a contract was not needed to confirm this. I think that is against my rights as a consumer

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 01/26/2017 about Debt collection (Payday loan) with BlueChip Financial (MO).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I defaulted on my payday loan with spotloan. I got into a difficult financial situation and am trying to get caught up. Have spoken with reps at their collection agency XXXX about working out a payment plan but I do n't know yet how much I can pay until my payday the XXXX. So instead of waiting 5 days they call my work and cell multiple times a day to see if I have magically gotten money yet to pay them off. They sent a verification of employment letter to my employer today. I thought they could only do that if they have n't been in contact with me?

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 06/27/2016 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (CA).
Issue: Account opening, closing, or management

Complaint: Wells Fargo opened XXXX debit cards under my XXXX XXXX university state ID and then when I found out they closed all my account including credit card which is totally separate from Banking system and the manager at XXXX XXXX XXXX loc # XXXX Named XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX they were XXXX owned by XXXX XXXX and her sister XXXX XXXX XXXX sister. 
Then I had fraud department do the investigation and found out to be the above stated people are the one stole my identity. The money spenders were my uncle XXXX XXXX and 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 12-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Dispite my multiple certified letters, disputes, my ID theft report, and my email that I sent to the CEO of experian XXXX XXXX the fraudulent account XXXX XXXX XXXX is still being reporting on my experian credit report. This fraudulent account has been removed from XXXX and XXXX credit report they are no longer reporting this fraudulent debt. I have kept records of all of my disputes and I have kept a copy of my ID theft reports! Experian has not complied with the law section 605B! My attorney has discovered the class action lawsuit that 's already taking place against experian XXXX XXXX XXXX, XXXX XXXX experian. Experian has seriously violated the FCRA laws. I will proceed and file a lawsuit with my attorney! I am well aware of my consumer rights and these are some serious Monetary violations! This is my final complaint!

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 02/21/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with AmeriCollect (MI).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have contacted Americollect personally, submitted a dispute with XXXX as well as contacted the consumer protection bureau regarding this matter. Americollect is Continuing to report inaccurate information to XXXX credit reporting bureau. Americollect is reporting one ( 1 ) inaccurate account from University XXXX 's seven ( 7 ) times ( acct number XXXX ) another inaccurate account ( acct number XXXX ) five ( 5 ) times and two additional inaccurate accounts ( acct number XXXX and XXXX ). The continual reporting of these inaccurate accounts is a violation of the Fair debt collection Practices Act as well as Fair Credit Reporting Act. These inaccurate accounts should be removed from my credit report immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12/19/2016 about Debt collection (Auto) with AUTO TRAKK LLC (DC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have requested debt validation from Auto Trakk several times and to date have not received anything. I am rerequesting a contract or something which bears my signature and shows that I owe this debt or I request that it be deleted from my credit report as it has bot been validated after several requests.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation