milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11-09-2016 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Got an Experian credit report as suggested by XXXX sheriff 's office. I want to refute XXXX items on the report. No matter how many times I call, I can not get a live person on the phone. the following address in XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX it is not now, nor has it ever been our address. 
There is also a Credit card with a {$4500.00} balance. We did not charge anything in that, or near that amount, nor do we carry balances on our credit cards. This may be something regarding the call we got from our XXXX XXXX Card approximately a month ago, someone tried to charge {$4500.00} at XXXX XXXX, after speaking to us, they did not approve the purchase..

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 10-12-2016 about Payday loan () with ACE CASH EXPRESS, INC. (AL).
Issue: Payment to acct not credited

Complaint: Back in XXXX, I had a {$300.00} loan with Ace Cash Express where I paid this company back using an debt consolidation company. Yesterday, XXXX XXXX, XXXX I received a notice from a XXXX XXXX XXXX, address XXXX, CA XXXX, stating that they are going to sue me on behalf of Ace Cash Express in the amount of {$840.00} for a payday loan for {$500.00} when I advised him that I never had a loan with Ace for {$500.00} and that the {$300.00} loan was paid back in XXXX and that I am requesting documentation stating that I had a loan for that amount along with the bank account and contract that I had this loan, the man refused stating that he will not give me any documentation that they will be using in court against me that I have the option to pay them or be sued. I advised him that he is violating my rights with the Fair Debt Collection Act, I am entitled to that documentation and that he is violating my rights. He disconnected the line. The phone number is XXXX, I also googled this number and there is several complaints of fraud listed under this phone number where they were scammed out of money.

Company response to consumer: Closed with explanation
Consumer complaint received 11/16/2017 about Debt collection (Auto debt) with ALLY FINANCIAL INC. (OH).
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint: Ally Financial is the company I get the loan through for my vehicle. They started out by calling myself and the co-owner of my vehicle non stop. I asked them to remove all numbers and stop contacting us. They continued to anyway so we were forced to block them on our phones. Now they have taken it upon themselves to locate the phone number of my co-owners mother, whom we never provided a number for or authorized them to speak to. Last week I called them again and asked them not to contact anyone yet they keep calling her. They are speaking to her about my loan which she has nothing to do with. I need this collection practice to stop.

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 04-01-2018 about Credit card or prepaid card (General-purpose prepaid card) with NETSPEND CORPORATION (GA).
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint: On XX/XX/XXXX XXXX was withdrawn from my account for a pair of shoes I never walked out of XXXX XXXX with. I swiped my card three times and was told the transaction was not completed. A reciept was never printed for the merchandise. I left the store while checking my account and I seen three charges for the the same pair of shoes I had just tried to purchase. I talked to the merchant and was told I would have to file a dispute with my bank. I contacted my bank and was told it takes up to 20 days for new customers. 20 days passed and still no update to the dispute. So I called back and was then told it wouldnt be updated til XX/XX/XXXX which is four months after the fact. I will never open another prepaid card with Netspend theyre a scam! I contacted XXXX XXXX customer service number and a representative was able to locate the transactions saying that all three were declined on their end but somehow the money is still missing from my account.

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 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: Public record information inaccurate

Complaint: The credit companies are reporting I have tax liens reported by different courts. The courts  DO NOT report tax liens. This information is being reported incorrectly. This is a violation of the Fair Credit Reporting Act Section 1681B ( c ) a nd a serious breach of my privacy rights.

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 08-07-2017 about Vehicle loan or lease (Loan) with CREDIT ACCEPTANCE CORPORATION (AL).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint: I was informed by Credit Acceptance of a late payment being 30 days late, now past 60. I payed off my loan last month. They neglected to tell me, that a payment was returned in XXXX of 2015, until now. They now reported it to the credit bureaus with out ever letting me know, or giving me a chance to fix it. I called them to clear it up, but they wo n't take it off my credit report, nor help me in anyway. I also never missed any other payment.

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 04/23/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NC).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: I've sent two dispute letters to Experian disputing two accounts under the name XXXX XXXX XXXX These accounts total over {$7000.00} of collections on my account.

I requested validation from XXXX XXXX XXXX. They then sent me a lease without my name on it, claiming it's mine.

The names in the lease aren't even mine. I'm no where on this lease. I've sent TWO LETTERS WITH A COPY OF THIS LEASE TO Experian, this is a clear violation of my rights under the 609 clause. As it's clear this is not my debt.

I'm now asking the CFPB, FTC and XXXX to step in and demand this comsumer reporting agency delete this account.

I'm attaching a copy of the lease to support my claim, please note in the first paragraph, second line the names of the residents/lessees names.

Thanks

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 06-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NY).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: I began disputing with the credit bureaus as of  XXXX     2017. Since then, I have received notification from the creditors but I never received documents from any of the credit bureaus, Equifax,   XXXX  and  XXXX  . They have never provided me an update regarding me report thus making it difficult for me to review the activity on my account. I have done research and am aware I should be receiving correspondences between 35 - 45 days which has not happen . In all of my dispute letters, I have always included my address so I am not sure why they are not replying me. I am also well aware that this is against the FCRA which is why I felt it necessary to express my concern.

Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (PA).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: The repayment options offered by Navient that are for those who ca n't afford standard payments do not factor in all life expenses. I am married, both my wife and I have high student debt consolidated through Navient. We have XXXX children, XXXX in XXXX school, XXXX in day care. We both work full time, have a townhouse, XXXX cars for traveling to work and transporting the kids, and have multiple household expenses. When applying for different repayment options through Navient they sometimes cost more then the standard or close to it because Navient does not account for all the other expenses that we have as a family as well.

Company response to consumer: Closed with explanation
Consumer complaint received 07/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint: As  of  XXXX   XXXX , 2017 my credit cards amd social security were stolen and i need to report them.

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 08-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: I have XXXX along with XXXX at XXXX XXXX since XX/XX/XXXX at which day failed to provide me with information on the income based repayment program as well as Ombudsman group advise them to remove all credit reporting on payment history prior to my bankruptcy on XX/XX/XXXX and they still after 2 years of complaints have failed to do so which is causing a negative effect on my credit bureau as well as fifteen years now in late fees repayment for XXXX 's deferment they never once advised me of the option of income based repayment program which makes my account balance a XXXX amount owed every month due to the fact of being a single mom of XXXX children. So I want to file an official complaint against baby and in regards to never vitamin all information which could have assisted in repayment options for the last 15 years as well as increase balances of {$5000.00} in the last 15 years as well as late fees and they refused to advise me of the information in regards to trying to include myself in the mass litigation against 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 07-08-2015 about Credit reporting () with Experian Information Solutions Inc. (NV).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: There are two accounts on my credit one is for a company called XXXX, and they have advised me that they have sent over a deletion to Experian on two different occasions and it has never been deleted. The other account is XXXX, and they have deleted this account once before and now they have placed it back on the credit report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/13/2017 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. (CA).
Issue: Other service problem

Complaint: I have XXXX accounts with Coinbase.com. 

On XX/XX/XXXX I tried to login to my accounts and got the message that my account has been XXXX and I need to provide photo ID. I was n't sure if their site was hacked or if there was an issue so I reached to Coinbase customer support. They responded back saying a XXXX is looking into my issue. 

After that I messaged several times over several days asking for an update and then finally got a response on XX/XX/XXXX that a XXXX will be looking into my case. I then uploaded by XXXX 's XXXX. But then again i kept sending message and didnt get an update and after several days I was told that my case is prioritized as high priority and XXXX is looking into it. Since then I have been messaging coinbase support for an update and they are not even responding with any update. 

I have XXXX at coinbase that I 'm not allowed access because they have XXXX my account. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 08-08-2016 about Credit card () with CITIBANK, N.A. (TX).
Issue: Late fee

Complaint: CITI wo n't provide a paper statement on my account and only emails my statement. It is an XXXX account with a {$50.00} annual fee. I never received the statement, have not used the account all year and when I noticed my mobile app had a message, I looked and I had the {$50.00} annual fee due ... I paid it online and it was 3 days late. They assessed a {$25.00} late fee and interest. When I called, they would n't waive late fee or interest charges, so I said close the account and refund my annual fee. They would n't do that. This is pure and simple stealing! I asked to speak to a supervisor ... None were available, but I was assured a SUP would call me within 24 hours ... That was a lie! I never heard back ... Just got a XXXX email saying late fee will remain and to pay my bill!!

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 09/13/2016 about Credit card () with WELLS FARGO & COMPANY (CA).
Issue: Transaction issue

Complaint: ( XXXX ) I have gone through credit card XXXX. 
I am a victim of the Wells Fargo credit card issue. I had a good credit score. I got a call from a repres there who told me that a credit card for XXXX was being processed for me for. When i questioned the rate it was XXXX first year and XXXX to 28 % afterwards. Things were Not clear. I did not want it. I deserved a better rate with my score and wanted out or a lower rate and it was impossible, i was transferred and put on hold, was told No and ignored. The payments escalated, i paid to avoid my credit being damaged but it was just too much. 
______ ( XXXX - XXXX XXXX XXXX XXXX issue. I always paid them. My balances were fluctuating and i could not get answers. Due to unexpected car repairs i phoned them to just say that the payment would be late and to make arrangements. I was denied. I made payments anyway. Then i received statements showing payments made and then reversed. They could not explain. I kept requesting info and was refused. I kept making payments and in XXXX received a call from XXXX stating that they would no longer accept them. They refused my payments and began harrassing me by phone. XXXX to 30 calls a day. When i told them to stop, they assigned my acct to. XXXX and XXXX. I requested statements etc ..., no info. By accident learned of court date 2 days before. Attorney said show up..guess what? No docs received and no notice of court call. XXXX was not present for roll call and judge said that she could not hear my side. She did not know i was a pre law student who knew better. I was finally able to get a XXXX repres to send me statements nd guess what? Over XXXX was charged ( Identity Theft ). XXXX refused to acknowledge and pursued filing a judgement against me. XXXX had never had problems with me. I paid.

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 12-09-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BARCLAYS BANK DELAWARE (CO).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: On XX/XX/XXXX I changed the bank account that my XXXX XXXX XXXX XXXX used for automatic payments. I never ended the automatic payments ;  I only changed which account they are paid out of. The company is claiming that there is a one month delay in automatic payments whenever a change is made, which is disclosed in tiny print when you update your account. I did not see this note. My payment was due on XX/XX/XXXX, because of the one month delay from the change of account a payment did not occur. I saw this on XX/XX/XXXX and  immediately made a manual payment for the full statement amount. They have now assessed me a {$25.00} late fee and {$48.00} in interest. All of this occurring while I have been continually enrolled in automatic payments. I contacted the company and they are unwilling to do anything about sending me multiple form responses. Their system is clearly set up to make changes to automatic payments confusing and hope that they can then collect a late fee. I find this to be dishonest and unacceptable. I just made the same account change with another card company and there was no one month delay.

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 07-01-2016 about Credit reporting () with Experian Information Solutions Inc. (NY).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: XXXX XXXX XXXX is still reporting an old acct which they agreed to remove when we settled the account. I 've requested the acct be removed but Experian continually reports it as being verified. I 've asked both XXXX XXXX XXXX XXXX Experian to provide all the proper documentation they 've used to verify the account but they have not responded to me. I would like this account removed per my settlement agreement with XXXX XXXX XXXX ... this was an oral agreement which XXXX XXXX XXXX agreed to remove from my records back in 2009. It 's still being reported inaccurately. I 'd like it removed immediately per the settlement agreement.

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 12/31/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: I reported this to equifax before that my last name in my credit report is reporting wrongly as XXXX. I never had formerly name XXXX. My correct last name is XXXX. I submitted my social security card and passport biographic page that has my correct information and it was correct and it reappear again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05-11-2016 about Credit reporting () with Experian Information Solutions Inc. (IL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Experian fails to remove the XXXX XXXX account. Experian reports incorrectly that this account Terms are Revolving. Experian reports incorrectly that this account balance is {$8500.00}. Experian reports incorrectly that this account is past due {$8500.00}. Experian reports incorrectly this account Credit Limit is {$7000.00}. Experian reports incorrectly that this account is over it 's Credit Limit. Experian reports incorrectly this account 's date of first delinquency. Experian continues to report inaccurate information on my credit file which lowers my credit score. This causes me the inability to obtain credit and lowers my standards of living and causes me to languish and suffer.

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 08/14/2016 about Credit card () with DISCOVER BANK (DE).
Issue: Identity theft / Fraud / Embezzlement

Complaint: My home is currently up for sale in XXXX. We moved to our new home in XXXX, and discovered someone is using our XXXX address to obtain credit cards from XXXX XXXX, XXXX XXXX and Discover. XXXX and XXXX XXXX denied this person credit ; however, Discover mailed a credit card in the fraudulent name to our mail box. We think this person comes by our vacant home and checks the mailbox for creditor responses. Our USPS was notified of our move ; however, only some of our first class mail is being forwarded. I hope you can provide advice. Thank you very much.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/31/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX To Whom it May Concern : XXXX XXXX. XXXX XXXX XXXX, TX XXXX XXXX XXXX. Box XXXX XXXX, GA XXXX TransUnion, XXXX XXXX. XXXX XXXX XXXX, PA XXXX I recently pulled a copy of my credit report and noticed the following information are in error : Inquires The FCRA states that the only permissible purpose for pulling someone 's credit report is a ) firm offer of credit b ) insurance c ) employment or d ) a court order. The following inquiries are related to none of the aforementioned permissible purposes. XX/XX/XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX, PA XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX, MD XXXX XXXX XXXX XXXX XXXX Please remove these inquiries from my credit report. I have enclosed a copy of my proof of identity. Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL 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