milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with NELNET, INC. (OH).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Upon reviewing my credit file the are a few student loan entries that does not belong to me, these student loans are a result of identity theft, which resulted with me filing a previous police report back i n  XX/XX/XXXX ,  with the University    XXXX   XXXX  . These student loans were opened up unbeknownst to me which I was   XXXX   ( date of   XXXX : XX/XX/XXXX - XX/XX/XXXX  Date the fraud occured :   XX/XX/XXXX  ;   amo unt ( s ) : {$1700.00} ; {$3000.00} These students loans are old and h ave been sold, repackaged, or transferred to another agency/ or department. The student loan issue was litigated back in   XX/XX/XXXX ,  and have since been removed from my report (  XXXX   XXXX   XXXX  University  XXXX   XXXX  and   XXXX   ).     Now, I Have  "  XXXX /  XXXX   XXXX   XXXX   ; D  ept. of   Education/ NEL N ;  US Dept. of  Education / XXXX / XXXX ,  posted on my report from the same time period the prior students loan information post posted previously, dating :   XXXX .      This same issue with the fraudulent student loans has come back and repackaged.

Company response to consumer: Closed with explanation
Consumer complaint received 07-07-2015 about Credit reporting () with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Any credit information on my credit report concerning the Kentucky address shown on the attachment is not my information. 

I have never lived in Kentucky or attended school in Kentucky. 

Simply not me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (WI).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: On XXXX XXXX XXXX, I went to XXXX of XXXX ( XXXX XXXX ) to get a loan for a used car. I talked to a salesman because I already knew the car I wanted ( I went the day before that and already saw the car ). When I test drove the car and decided on the price and the monthly payment before he pulled my credit I clearly told him that I 've read that sometimes when you shop for a car the dealership pulls your credit and it can create multiple hard inquiries on your credit report and these could be in the report for up to 2 years. He assured me that they do n't have such practices. He went and came back with my credit score which was XXXX. It went well afterwards because they were able to stay within my range of payment. I went to see the financial guy and asked the same questions about the possibility of hard inquiries and he told me and assure me that they do not operate like that. I did believe them and after 2 hours of transaction and a interest rate of 6 % I drove with my new possession. On Tuesday, I received an alert on my XXXX XXXX stating that I had something in my credit report that needed my immediate attention. It turned out that the dealer made XXXX hard inquiries on my credit. Of course I tried to call them after that and after so many unsuccessful attempts to reach somebody who could explain this situation, I finally decided to go and talk to the XXXX. He did not care much about me or what I had to say to him. He barely paid attention to what I was trying to explain and my confusion. he vaguely told me that he would try to " find out what happened '' and he was done! Since I was outside in the dealership parking lot he decided to come back to me and explain that he just saw the report and that they did all those inquiries because XXXX of the bank did not want to finance. My question is : how about the other XXXX. The dealer and the financial guy were nowhere to be found. That is how I talked to CFPB to see what were my options. I would like to confront them and have only hit on my credit. I just made a home purchase and had XXXX hard inquiries. XXXX is abnormal to me and what is frustrating is the lies and the disrespectful way of dealing with consumers. I work hard for my credit and believe that I was treated poorly. They made all those hard inquiries in 1 day so I it should be counted as XXXX hard hit and not XXXX. Thanks for your time

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 07/15/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I HAD A LIEN PLACED ON MY HOME DUE TO OWING TAXES TO THE STATE OF MICHIGAN, WHICH SINCE HAS BEEN RELEASED XX/XX/XXXX .... PAID IT IN FULL WITH MY REFUND, ALSO RECEIVED A LETTER STATING THE LIEN WAS IN FACT PAID IN FULL IN THE MAIL. 
THE CREDIT BUREAU ( S ) NEED TO UPDATE AND I AM SURE THIS WILL HELP MY CREDIT SCORE. THANK YOU FOR ALL YOUR HELP THIS IS A WONDERFUL VERY HELPFUL SITE, I AM SURE YOU ARE HELPING MANY!! 
XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: On XX/XX/XXXX I wrote letters to all 3 credit bureaus because there were items being reported against my credit that did not belong to me and inaccuracies found. I requested these items be deleted or proof be provided to me on how these items were verified. XXXX was the ONLY company to respond and remove/delete the items that I requested. I filed a complaint against Equifax and XXXX for lack of response in XX/XX/XXXX, Equifax did finally respond, however they did not provide any information in their response or even include a copy of my credit report. The only letter attached was the dispute process information. XXXX failed to respond at all and I still have not received any paperwork from them at all.

Company response to consumer: Closed with explanation
Consumer complaint received 02-06-2018 about Debt collection (I do not know) with RAS LaVrar, LLC (GA).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint: RAS LAVRAR is attempting to collect a debt from me that I have no recollection of. RAS LAVRAR has stepped outside the boundaries FDPA. I have received a lot of harassment calls and even a representative came to my home or residences with harassments that are in violation of the FDPA. I never established a contract with this company and I don't owe the alleged debt.I will be reporting this practice to the State Attorney General office of Ga and the FTC about this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 08/17/2015 about Credit card () with PAYPAL HOLDINGS INC. (MD).
Issue: Unsolicited issuance of credit card

Complaint: Pay pal is issuing credit cards with a revolving line of credit without the consumer submitting an application. I made a purchase and it automatically opened up a PayPal credit account. I called customer service to have them close the account and they said that I filled out an application, which I had not. And, they said that they would close the account but that I would have to submit in writing a request to have the inquiry removed from my credit report. This conversation took place less than an hour from the time I received the email saying " welcome to PayPal credit ''. Almost all of the links on this welcome email direct you to a splashy video on how you can get what you want when you want it. It is very difficult to find where the late payment fees and the annual percentage rate fees are.

Company response to consumer: Closed with explanation
Consumer complaint received 04-10-2015 about Payday loan () with Enova International, Inc. (TX).
Issue: Received a loan I didn't apply for

Complaint: XXXX phoned me to collect on a loan taken out in my name from an online cash net on XXXX XXXX 2014. They had my ss number part of my birthday my physical address, phone number, my daughter 's drivers license and my simulates email. They deposited the money into her bankaccout. I believe my soninlaws did it. How could they processed it without my signature? I made a police reported.

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 03/30/2017 about Bank account or service (Checking account) with REGIONS FINANCIAL CORPORATION (AL).
Issue: Account opening, closing, or management

Complaint: I was improperly charged overdraft fees {$36.00} on my bank checking account on XX/XX/2017.

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 07/30/2015 about Money transfers (Domestic (US) money transfer) with MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (TN).
Issue: Fraud or scam

Complaint: i had gotten a call from XXXX XXXX from florida telling me I wasapproved for a XXXX loan so right then times were tough so I presued the offer after we got the application started they started hittng me with all kinds of fees to which I had to send them over XXXX and still have not received the loan from them. I sent all the money through moneygram. each time I talk to these people they r wanting more money from me. now they are wanting me to send them another XXXX then they said I will get the loan. all I want is my money back

Company response to consumer: Closed with explanation
Consumer complaint received 02/21/2018 about Checking or savings account (Checking account) with WELLS FARGO & COMPANY (NJ).
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint: This morning, XX/XX/XXXX, I received an alert at XXXX telling me that my account was overdrawn by XXXX and that an overdraft charge " transfer '' fee of XXXX was applied to my account. I contacted the bank at approx XXXX EST and was advised, in short, that my account was overdrawn because of a transaction that posted as pending from my account on XX/XX/XXXX ( amount of the transaction was debited from the available balance ) but was subsequently removed from pending on one date and posted to pending another date. I advised the representative : 1. I advised Wells Fargo 1+ years ago that I did not want to be enrolled in overdraft protection, 2. The amount that was available to me did not go below XXXX. I actually had a receipt showing my balance from a XXXX XXXX ATM on XX/XX/XXXX, and 3. That only 2 weeks prior ( XX/XX/XXXX ), I had a similar situation occur where Wells Fargo did not apply the overdraft to my account. Instead, an option to deposit the residual funds was provided to me. The representative advised me that Wells Fargo did not offer such options and that maybe their systems had been hacked. She then advised me that the bank would not allow me to remove the overdraft option from my account at all!!! I proceeded to advise her that I had email and pictures to support my claims and that the bank could not MAKE me participate in an " optional '' service that I did not want to participate in. I advised her that my account, in truth, was only overdrawn because Wells Fargo charged me an " overdraft transfer '' fee of XXXX. I told her by simple mathematics, the transaction ( which was {$36.00} ) could not have resulted in a negative balance of {$7.00} if the bank applied {$10.00} and a {$12.00} fee. My account had XXXX in it prior to their intrusion. I feel extremely violated. In fact, they did not send me an alert until XX/XX/XXXX at XXXX. It feels like this was intentionally done so that I could not make a timely deposit. I complained that this is the reason that Wells Fargo is now involved in a class action suit and is being restricted by the government to operate profitably. She then advised me that she would have to connect me with corporate because I made comments regarding their pending law suit and regulatory restrictions. She transferred me to a number that just rang. I disconnected after 3 minutes. They still have not removed the fees or charges. They should not be allowed to continue operating under such deceptive practices. I am going to contact my senators and House reps with this complaint as well. ( see attachments of all my supporting documents )

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 12-08-2015 about Mortgage (Conventional adjustable mortgage (ARM)) with NATIONSTAR MORTGAGE (CA).
Issue: Credit decision / Underwriting

Complaint: To whom it may concern, I am to receive A XXXX time {$5000.00} XXXX XXXX credit on my 6 year anniversary date which was 2 months ago. XXXX transferred my loan in XXXX 2015 to Nationstar. XXXX had me submit all the appropriate paperwork to them in regard to the incentive payment. Nationstar told me I would be getting the {$5000.00} in XXXX 2015. 
No credit has been given by Nationstar to date. They do n't seem to be able to tell me anything but they are still researching this matter. I cant seem to get anywhere and I 'm very frustrated. They place me on hold for an hour every time I call and it is a waste of time.

Company response to consumer: Closed with explanation
Consumer complaint received 04/18/2015 about Credit reporting () with EQUIFAX, INC. (HI).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: Equifax shows public records that I had Federal and Hawaii tax liens fied on XX/XX/XXXX These liens were the result of my incorrectly filing returns ( missing information ). The state lien was filed automatically becuse of the Federal lien. After contacting the IRS and filing an ammended return from XXXX, it was determined that no tax or penalty was due and the " bottom line '' on XXXX returns was correct - {$0.00} tax and/or penalties due. The IRS released their lien on XX/XX/XXXX. I was in contact with the XXXX tax office ( from XXXX ) and sent a check to cover the expense of releasing the lien. After talking to them today, I discovered they had sent me some additional information by mail ( not to my residence ) that I never received. The result was that the Hawaii Tax lien was n't released until XX/XX/XXXX. 

After being denied credit because of " derogatory information '' in public records, I obtained this information in XX/XX/XXXX. However, this derogatory information - tax liens - were for taxes that were never owed, and still remain on my credit reports. The tax agency says it only releases the liens after being paid a recording fee, etc. and I never responded to the mail that I never received. So, I am paying more for credit because of the liens that never should have been filed, and there is no way to remove them from my credit report. I believe these liens should be removed from my credit report because I never owed any debts, additional taxes or penalties. But the credit agencies keep this derogatory information on my record for XXXX years. I request that these leins be immediately removed because, they are there to alert credit providers of records of not paying owed debts. There were never any late payments made or due. There are no other derogatory items in my credit report, so it is not fair to continue to penalize me until XX/XX/XXXX for a lien that should have been removed and not only " released. ''

Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax was hacked and my information was part of the breach.

Company response to consumer: Closed with explanation
Consumer complaint received 12/23/2015 about Mortgage (Home equity loan or line of credit) with Ditech Financial LLC (MN).
Issue: Loan servicing, payments, escrow account

Complaint: Ditech has obtained my XXXX mortgage ( Home Equity Line of Credit ) which has a balance of {$30000.00} and at a current interest rate of 4.1 % for 180 months and sent me a payment due on XXXX/XXXX/15 in the amount of {$270.00} I ran an amortization of that amount and the payment should be {$220.00}. I contacted Customer Service and spoke with XXXX on XX/XX/XXXX and got no response. I contacted XXXX on XX/XX/XXXX @ Ext XXXX and was promised a response ASAP and no response I contacted XXXX on XXXX XXXX and still no resolution. I contacted XXXX on XX/XX/XXXX and she said she was sending an email to XXXX and her supervisor and I should hear back that day for sure and NO RESPONSE.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 10-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: There are two fraudulent XXXX accounts being reported on my credit bureau reports. One is a XXXX XXXX credit card ending in # XXXX and the other is a XXXX XXXX XXXX account ending in XXXX. I have sent several notices to all 3 national credit bureau agencies XXXX, XXXX and Trans Union advising them that they are fraudulent accounts and have demanded validation from the creditors. Unfortunately, to no avail I have not received any information and they are both being reported as derogatory accounts. This is having an adverse effect on my credit rating. The accounts appear to have been opened by someone in my family and or household who has access to my personal information. This violates federal law under 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 04/25/2016 about Credit reporting () with EQUIFAX, INC. (OR).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: Account on credit report was originally reported delinquent XX/XX/XXXX. Recent credit reports are showing same account reported XX/XX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX. 
Contacted creditor and spoke with XXXX at XXXX and XXXX XXXX at XXXX. XXXX stated that they do not change the reporting dates and we should contact the credit reporting bureaus. He also gave us the original reporting date of XX/XX/XXXX. XXXX XXXX gave us the original reporting date of XX/XX/XXXX. Credit bureau states the creditor provides the reporting dates. No one can tell us why dates keep changing. Loans have been denied due to the balance still showing outstanding. Credit report provided by lender who denied us shows this account as a charge off.

Company response to consumer: Closed with explanation
Consumer complaint received 11/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (PA).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: An investigation was completed on my credit report Completion Date XX/XX/XXXX. 
Report Number XXXX. Item was deleted on my report and placed back on my report. I reached out to equifax on XX/XX/XXXX and advised them that the items was placed back on my report. doing the conversation I was told that the Items was found and would be corrected. After waiting and updating my report several times. It has come to me as of XX/XX/XXXX, that the report is still stating that the items are still on my report. I am asking for my report to be updated and corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 01-08-2018 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. (AL).
Issue: Money was not available when promised

Complaint: I sold Litecoin on XX/XX/XXXX at XXXX PST through Coinbase. The litecoin was immediately removed from my account without me receiving any payment. My coinbase history page noted that XXXX USD was due to my USD account to arrive by the end of the day on XX/XX/XXXX. I  have still not received any USD into my USD wallet as of XX/XX/XXXX. I have opened a support ticket through their website and was notified on XX/XX/XXXX that they have received the ticket and are working with a specialist to resolve the issue. Since then I have received no more communication from Coinbase.

Company response to consumer: Closed with explanation
Consumer complaint received 04/19/2017 about Consumer Loan (Vehicle loan) with CarMax, Inc. (CA).
Issue: Managing the loan or lease

Complaint: This creditor failed to close my account after the debt had been paid off. It took them 6 months so move the status to closed and it still continues to show negatively on my  credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 09/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Equifax and XXXX XXXX still report account XXXX XXXX despite identity theft report file with XXXX XXXX Sheriff 's Department report XXXX

Company response to consumer: Closed with explanation