milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11-09-2015 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint: loan XXXX score different and incorrect from personal XXXX score. Multiple requests for XXXX report and no responseregarding why. ref report # XXXXExperian report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/24/2017 about Consumer Loan (Installment loan) with Colony Brands, Inc. (OH).
Issue: Managing the loan or lease

Complaint: This complaint is against the company Montgomery Ward which has extended tome a line of credit with a fixed payment amount. At the time of the problem my payment to them was XXXX dollars a month minimum. 

The basis of my complaint is that beginning on XX/XX/XXXX I was informed on the Montgomery Ward website that I owed them nothing. The payment amount which showed on the payment screen showed XXXX and the balance on the account was also XXXX. 

i checked this many times between then and today ( XX/XX/2017. Every time I logged on to my account i got the same information. 

They have tried insinuated but never clearly stated that this was a different account. Yet, it includes current information. 

Until I too my credit and debit card information off the account it had them posted even with updated information of recent changes to these cards. 

Please refer to support documents which verify the facts in this complaint. 

I will admit that the account numbers on the account did not match the ones on my bill which was sent in the mail. However, both accounts had the same information associated with them. 

The fact is that if the website says I owe nothing then I feel that I do not owe them anything. 

At this point I do not feel confident in allowing this company access to any of my personal information. They already have access to good portion of it. 

I have had to change bank accounts to avoid them having any of my banking information. 

This only a brief explanation of my complaint. I have provided a more detailed explanation with the support documents which accompany this complaint. 

Out of courtesy, i did send a letter to Montgomery Ward explaining my complaint. I never got a response on the letter nor even an acknowledgement of this problem. The letter I sent them is also included with the support documents.

Company response to consumer: Untimely response
Consumer complaint received 12-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with WELLS FARGO & COMPANY (NE).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Wells Fargo has reported my payment status as between 30-90 days fromXX/XX/XXXX through XX/XX/XXXX. I have had numerous issues with them over billing. I have been paid up a month in advance since XX/XX/XXXX Example -- XX/XX/XXXXwas paid in XX/XX/XXXXXX/XX/XXXX paid byXX/XX/XXXX and so on. I have been paying biweekly since then. The minimum payment due at the first of the month was {$120.00}. I paid them {$65.00} bi-weekly without fail. When I discussed this with them and filed a complaint with CFPB in regards to almost {$500.00} in late fees, they reversed the late fees, but refused to remove the reported late payments from my credit report. This is the only account I hold which shows such poor standing.

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 05/31/2015 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (WA).
Issue: Loan servicing, payments, escrow account

Complaint: Last year ( XXXX ) i sent in a full payment to get my loan caught up to date.i was behind in payment., including all back owed taxes. 
They applied the funds and gave me a new adjusted monthly payment, now to include my taxes. i was making my payments, then in XXXX my payment almost doubled, I contacted them and it took until ( XXXX ) to resolve the issue. I could not make payments during this time because they still wanted the doubled payment amount. After funds were applied to the correct loan i then sent a payment ( XXXX 2015 ) to once again get current, Now still to this date my account is delinquent and they will not up date it so i can make a payment. They are doing this to me on purpose to try to force me into foreclosure once again. The initial funds i sent in back in XXXX last year and their miss appropriation of funds is still unknown exactly how and where funds were applied. I have asked for a detail to explain all fund disbursement and it still is not current and.i 'm notallowed to make a payment, because they do not show current balance of my last payment to get all owed amount applied to my loan.

Company response to consumer: Closed with explanation
Consumer complaint received 09-03-2015 about Student loan (Non-federal student loan) with Alorica Inc. (MO).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I attended XXXX XXXX University XXXX XXXX XXXX, MO in the XX/XX/1990. I admittedly defaulted on my loan. My wages ended up being garnished for, I believe, 10 years. I received notification that my loan was completely paid off and my wages were no longer being garnished. A few months later, I received a letter stating that in fact my loan was not paid off and I still owed in excess of {$8000.00}. This information came from West Asset Management who has since been garnishing my wages ( again ) because I tired of their games. I was told that I could submit various financial forms for consideration of their rehabilitation program. After submitting various documents and being told they were n't good enough, I just quit and figured they could come after me. Which they did. I received another letter in the mail telling me they were now coming after my tax returns even though they 've been steadily taking out a percentage of my paycheck. I do n't understand how I can have paid off all the loan and interest, be told that I had fulfilled my obligation and then have them come after me again for garnishment and tax-returns. They are very opaque in their dealings and do n't make it easy for XXXX to understand just what one 's obligations are, especially as they apply to amounts assumed to be paid. Whether or not I think what they are doing is fair, is it legal? Can I be told that I have no further obligations only to have them turn around and tell me that I do? Is this an endless cycle of me paying off XXXX obligation only to be met another and another until my last day on Earth?

Company response to consumer: Closed with explanation
Consumer complaint received 06/21/2017 about Debt collection (Other debt) with CITIBANK, N.A. (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I do not owe the amount stated on my credit report. Plus this account was charged off. I have noticed once per year that they are entering the information again making the account look open.

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 04/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with AES/PHEAA (TX).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: I disputed with the credit bureaus and told them that there are multiple duplicate student loan accounts on my credit report and if they ca n't determine which ones are duplicate and original, that they must delete them all.

Company response to consumer: Closed with explanation
Consumer complaint received 11-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with SYNCHRONY FINANCIAL (NC).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I submitted a dispute to Synchrony Bank/JC Penny on XX/XX/XXXX around that time. I received a response from Synchrony/JC Penny on XX/XX/XXXX. The letter stated that they were reporting information accurately. I received copies of my credit reports from XXXX, XXXX and XXXX. The letter stated that the JC Penny was opened on XX/XX/XXXX my XXXX show open XX/XX/XXXX. The XXXX report has Date of 1st delinquency XX/XX/XXXX but no payment history to validate is on the report. There is no date of last activity. XXXX last payment made XX/XX/XXXX payment history show XX/XX/XXXX. No date of 1st delinquency and no date of last activity. XXXX  has status as Closed, no date of first delinquency and no date  of last payment made

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 02/23/2018 about Student loan (Private student loan) with Navient Solutions, LLC. (PA).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: I CONTINUE TO BE HARASSED ABOUT MY XXXX  COSIGNER. This has crossed over to undue stress as they are brought up EVERYTIME despite having filed his death certificate with NAVIENT on 3 separate occasions through fax and physical mail. This compounds the hardship I now face XXXX  him in life and financial assistance and it is harassment towards his family that did not sign up for supporting the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 09-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (GA).
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: After twice writing to Experian and XXXX asking for them to adhere to federal law sending me physical proof of these alleged debts they 're reporting, both times they have NOT and keep reporting these two fraudulent accounts as this infringes upon my consumer rights and also are violating my civil rights.The alleged debts they are reporting are from some company named XXXX XXXX and XXXX in the amount of {$4800.00} and XXXX XXXX with a paid charge off of $ XXXX.I have also reached out to the both of them to no avail.I thought Experian and XXXX were suppose to physically verify alleged debts before reporting.

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 11-02-2017 about Debt collection (Private student loan debt) with Ceannate (FL).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Back in XXXX XXXX 2017 I enrolled in online courses with XXXX University 's online division. My financial aid was denied and I was told my classes would be dropped to avoid a charge. One of the classes was never dropped like it should have been and now I am being charged for said class

Company response to consumer: Closed with explanation
Consumer complaint received 04/21/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (WV).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: TransUnion shows 30-day late payments from XXXX XX/XX/2010 from XXXX on XXXX accounts. My accounts were always in OK and on-time status with XXXX. They have not removed these reports as requested, even though they are inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 04/14/2017 about Debt collection (Payday loan) with Ad Astra Recovery Services Inc (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: In XX/XX/XXXX, I saw an entry on my credit report from Ad Astra Recovery for a loan they alleged I took out in XX/XX/XXXX. I sent a request for information proving the debt was indeed mine because I am certain I have never had any business dealings with this company. The first response was a generic response with just my personal information such as date of birth and last four of my social. ( which can be obtained through public records ) See attachment. I then submitted a dispute through the XXXX credit bureaus because according to XXXX what they provided was not proper validation so I requested that the information be removed from my credit file. The debt came back as " verified ''. In XX/XX/XXXX, Ad Astra sent me a settlement offer stating that I can make bi-weekly payments of {$220.00} to settle the debt however I refuse to settle a debt that has not been proven to be mine. See Attachment. I reached out to Ad Astra in XX/XX/XXXX, again requesting proper validation according to FCRA and Texas Finance Code, This time they responded with a " contract ''. I combed through all pages of documents NONE of which had my signature agreeing to the terms of this alleged contract with the original company nor did it include any documentation agreeing to a contract of terms of payment in which I have defaulted with Ad Astra. I believe this company is trying to take advantage of me as a consumer as if I do not know my rights. They have ignored my multiple request to validate this debt according to federal and Texas state law. So far what I have received in generic documentation that can not be used to conclude I indeed owe this debt. Again I do not have a contract with Ad Astra and the documentation showing a contract with the original company does not include my signature. It is obviously a typed fill in the blank contract. I want this removed from all XXXX bureaus immediately and all collection attempts ceased.

Company response to consumer: Closed with explanation
Consumer complaint received 12/16/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: In 2010, a rental car company in XXXX charged my credit card for a deposit against damages at XXXX rate of exchange and then debited my credit card at a different rate pocketing the difference. I attempted to resolve this with the merchant but to no avail ; when I disputed this with the credit card I was stonewalled, my written letters were ignored, and after repeated attempts to discuss with them, them ( XXXX XXXX ), I closed the account having paid all that was owed except for the disputed amount. I now find that despite my otherwise excellent credit rating, my FICO score is being dragged down and inexplicably affecting my insurance premiums. 
At the insistence of the credit card company, all dispute processing was done on line, therefore little supporting evidence is available. However, I am attaching the final letter that I wrote them concerning the matter.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05-11-2016 about Credit card () with CITIBANK, N.A. (CA).
Issue: Forbearance / Workout plans

Complaint: I have a Citibank card through Home Depot, card ending in XXXX I have closed this account as I am not working and unemployed. I went on a plan to pay citibank {$25.00} a month until the credit card is paid off. My first two payments I made Citibank put into other accounts and did not credit me the money. They kept calling me and were extremely rude to me on the phone. I explained I paid, not only the current month, but next month 's payment early. They said they receive no payments. THEY DID. The supervisor realized how Citibank internal process routed my money to the wrong account and mistakenly sent one payment back to my bank. They apologized and gave me a slight credit on this account for the over 3 hours I spent on the phone clearing this up. 

NOW, Citibank found another mysterious account and is harassing me. I have asked them to stop calling my cell phone which I use as my home phone. My home line is just used for business faxes and emergencies. Now, Citibank is calling this line. Citibank is constantly calling my home fax line with a recording, even on Sunday AM. I asked them to communicate through mail with me but they continue to call me. I told them I do not know of any open account I have besides the Home Dept Account ending in XXXX. 

These draconian and rude practices are against the Fair Credit Reporting Act. After I set up a payment schedule on the Citibank card I know about, after they lost my payments, Citibank is now trying to collect on some other card I have never heard of. Citibank is harassing my family and me, on phone lines I have asked them not to call.

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 09/23/2015 about Credit reporting () with EQUIFAX, INC. (NY).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I was never formally notified about a store credit card account past due and it went 90 days before I found out what had occured. I then called the credit reporting agencies for guidance and they advised me to work it out with the creditor. I called and explained my situation several times and the last time we spoke they said they were looking into it. The next communication I received was a cancellation of my credit card due to non payment, in the middle of my dispute. I then tried to get resolution and find a way to get my account reopened but all they would keep telling me was to try to open a new account. No help at all. I was going to speak to a lawyer but thought I could work it out on my own. It was never resolved and I am still very upset. I later found out this was all caused by a {$6.00} credit card charge that I was unaware of because I was not receiving any statements!! I have boycotted the store ever since. I would like to get the credit card account reopened ( because of the long credit history I had with it ). And also, have the derogatory account status reversed. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 03/16/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (PA).
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint: Fraudulent charge of {$89.00} appeared on my Citicard statement during XXXX, XXXX for a jar of women 's face cream which was not purchased or received. I immediately contested the charge by calling Citicard customer service which indicated that Citicard was aware of the face cream company ( name unknown ) making fraudulent charges. The Citicard rep said she would reverse the charge and suggested closing the card to prevent further unauthorized charges, which I did. While recently applying for a mortgage re-financing, a banking officer informed me that my FICO score had dropped from XXXX to XXXX due to a delinquent balance of {$190.00} owed to Citicard. Further research determined that the delinquent balance was comprised of the fraudulent face cream charge of {$89.00}, plus Citicard penalties and interest. Corresponded with Citicard on XX/XX/XXXX to dispute the charges, but have received no reply to date. Have also copied XXXX XXXX, and XXXX on my correspondence to Citicard.

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 03/19/2015 about Debt collection (I do not know) with Debt Recovery Solutions, LLC (OH).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: On XXXX/XXXX/15 we began to receive phone calls at our home from XXXX XXXX of Debt Recovery Solutions calling for a " XXXX '' XXXX. A message was left on our answering machine stating that if we are not that person/do not know that person to visit their website at : www.drssol.com or call XXXX to remove our number. We could not locate the website, so my husband called the XXXX # and left our phone number asking it be removed. 
On XXXX/XXXX/15 at XXXX & XXXX XXXX. we received the same phone call/message. Again, my husband called the XXXX # and left our phone number asking it to be removed and the calls to stop. 
On XXXX/XXXX/15 at XXXX XXXX. we again received another phone call, same message and once again my husband called the XXXX # and left a message to remove our phone number and to stop calling. 
There is no " XXXX '' XXXX at our home phone number and we do not know a person by that name. 
This is not a live person placing the call from Debt Recovery Solutions, but a recorded message, saying they are debt collectors and attempting to collect a debt.

Company response to consumer: Closed with explanation
Consumer complaint received 11/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I reached out to TransUnion, XXXX, and XXXX  and explained to them that I did not authorize my credit to be ran by these companies and wanted the information deleted off my credit report. I was spoken to rudely.The issue was never fully resolved. The inquiries were removed at one point and were eventually placed back on my report and I was never notified the inquiries were placed back on my report. According to the FCBA that is against the law. I am requesting that XXXX, XXXX, and TransUnion to remove all inquiries pertaining to auto loans due to not being notified. The inquiries are as follows : 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 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, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX IN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IN 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 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 explanation
Consumer complaint received 08/16/2015 about Credit reporting () with EQUIFAX, INC. (PA).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: 1-I was taken to the XXXX for a XXXX problem,2012, after testing I was ttold XXXX would have XXXX tomorrow and it never happened. I went home and contacted another Doctor. I was billed for this by XXXX Co. 
It now shows in collection.They did accepted my medicare and insurance. sent tocollections. 
2-XXXX first wrote off my account and now it shows new.

Company response to consumer: Closed with explanation