milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09/22/2016 about Debt collection (Non-federal student loan) with Dream Center Education Holdings (NE).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: They have continued to remove and add something into collections on my credit for over 6 months. When I have proof that it should be a balance if {$0.00}. 
I attended The Art Institute of XXXX XX/XX/2012 which put me at $ XXXX in student loans with them. I dropped out after my first year. They later got into a big lawsuit and I received a letter from XXXX which owns The Art Institute of XXXX stating that because of the timeframe I attended and dropped out that my student loans are now at a {$0.00} balance and should be whipped off my credit within 4 months. 

However XXXX XXXX had them in collections and after receiving the letter they were removed from my collection within two months. I was extremely happy. However for the past 3 months XXXX has continued to add it on my credit score and remove it only from XXXX tho. I called XXXX XXXX and explained the situation and emailed them the letter I have. They said they would look into it that was two months ago. 

So last month I decided to dispute the collection with XXXX sending them the letter that I received form XXXX. It 's supposed to be completed XXXX. However Now it is showing on XXXX twice for $ XXXX each.. 

I 'm getting very upset about this and its effecting me and my wife 's chance of buying a house

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 07-02-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (TX).
Issue: Getting a credit card
Sub-issue: Application denied

Complaint: On XX/XX/XXXX I was Denied for Capital One Visa Credit card because of my XXXX XXXX XXXX XXXX XXXX .I am a Military Veteran. On the letter of application ID # XXXX of Capital One Bank states that I was because of many deliquent past or present Capital One Credit obligations. I do n't have no Capital One credit cards active or Capital One Bank collections on my credit report with XXXX, XXXX and XXXX, bankruptcy chapter XXXX that was filed on XX/XX/XXXX and Discharged on XX/XX/XXXX by XXXX, Texas Federal Judge. On XX/XX/XXXX Capital One sent me a letter with application number # XXXX and Capital One Case # XXXX with CFBP case # XXXX. Capital One administration will not issue me a Visa credit card and continuing to Discrimate and Retaliate against because of National Origin as a XXXX and Military Veteran. Why Denied a XXXX Citizen and Military Veteran because a filed Bankruptcy chapter XXXX and XXXX and XXXX XXXX XXXX?.

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

Complaint: XXXX XXXX continues to falsely report an account closed in XX/XX/XXXX as an Open Account, thereby negatively affecting my credit utilization. This is deliberate ( letter dated XXXX XXXX, XXXX attached ) and both XXXX and Experian were informed, but both insist on compounding the erroneous and possibly illegal information as this account was originally charged off in XXXX XXXX. XXXX XXXX can not take the tax credit charge-off in XX/XX/XXXX and subsequently list it as an open 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 11/20/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: there is a report on Transunion XXXX that states XXXX. no other notes. I called XXXX and they stated they can not find anything on my account. Nothing that should have ever been reported.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/15/2016 about Bank account or service (Checking account) with UNITED SERVICES AUTOMOBILE ASSOCIATION (NC).
Issue: Making/receiving payments, sending money

Complaint: I have both checking accounts and a credit card with USAA. My USAA credit card was declined on or about XXXX XXXX due to a fraud alert placed by USAA. I called to have the fraud alert removed. The following day I again attempted to make purchases on my credit card and it was declined for a fraud alert. USAA had failed to remove the fraud alert even though I had wasted my time on the phone with them to remove the alert. The payment processor, XXXX after multiple failed attempts defaulted to my checking account.I would like to reiterate this as it seems to have been lost on everyone at USAA, the direct causation of XXXX attempting to withdraw from my checking account is due to the failed credit card transactions due to a fraud alert they placed and failed to remove when called. 
I have filed multiple complaints with USAA and spoken to them numerous times and they have not refunded the NSF fees. This is horrible customer service and fraudulent as the fees were caused by their actions.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 02/18/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with WELLS FARGO & COMPANY (AZ).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: To whom it may concern, On XXXX of 2016 Wells Fargo Mortgage reported my monthly payment as being late. I called Wells Fargo the moment I noticed this on my Credit Report. I have never been late on any of my Credit Cards or loans. I never received a statement from Wells Fargo as I always did, therefore I did make the payment on time due to their negligence on  sending the statements. I also never received a phone call from them letting me know about the payment. While speaking with Wells Fargo there was an individual that stated I should have received a noticed by mail and a phone call ( I believe his name was XXXX ) If the phone calls are recorded then Wells Fargo should have that information on file, this individual admitted that Wells Fargo did not take the necessary steps in this situation. I have disputed this item multiple times and it was removed from the Credit Bureaus in the past, but then it is added again ( It just recently happened again ) Wells Fargo Negligence to provide me with proper community when it comes to payments has affected my credit score and caused stress in my life. Loan interests are higher due to this and it has taken time out of my busy schedule to provide these letters in the hopes to get this rectified. I pride myself on having pristine credit and Wells Fargo has affected a lifetime of work on my credit. I'm not asking for any money, all I want is fair treatment and to have this item removed. Wells Fargo is a large Corporation and it is not fair for them to treat a client this way. It is very disappointing how I have been treated and hope to get this resolved.

Thank you.

I have submitted this complaint to your office in the past I appreciate any help you may provide to get this handled.

I would like to have the late noticed removed from all of my Credit Reports I  will also be filing with the Attorney General 's office

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 07/20/2016 about Bank account or service (Other bank product/service) with REGIONS FINANCIAL CORPORATION (TN).
Issue: Account opening, closing, or management

Complaint: I established a line of credit for overdraft protection on my checking account in XXXX. Regions Bank took over the original bank where this was established. When I signed for this protection I was not married. I was married in XXXX and my wife was on my checking account till I closed the account in XXXX. Somehow Regions Bank attached my now ex wife 's name to this account. I have asked for proof where she signed on the line of credit. They said the loan was too old and they could not provide any documents to support her signature or even a copy of the original loan. Some where along the way Regions Bank has changed the original to satisfy what they have allowed to happen. When my ex wife borrowed the money in XXXX XXXX, they told her that this was an overdraft protection and did not reveal to her my name was attached. Regions bank should be held accountable for what I think are illegal actions. 

.

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 10/13/2017 about Debt collection (Other debt) with I.C. System, Inc. (AZ).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: I was notified by XXXX XXXX that I had a negative report on my credit. It is a bill from XXXX XXXX at an address I lived at 6 years ago.The bill though the collection agency claims is for XXXX of XXXX. I contacted XXXX XXXX and spoke with XXXX. Her direct number is XXXX. I told XXXX that I have no knowledge of this bill and that I never had XXXX XXXX when I lived in that condo and that my husband and I have XXXX XXXX right now and are and always have been in good standing. I told her I could prove by tax records that I have not lived there when this bill was made. I then told her that I never received any notification from them to dispute this bill before it was reported negatively on my credit report. She then said I needed to call XXXX XXXX because there was nothing she could do about it. I then asked her for the number to their legal department where she gave me a fake number of XXXX. When I called that number it was a customer service number for XXXX XXXX where I was informed that legal does not accept phone calls from consumers.I then called XXXX XXXX where I was informed that they can give me no information because they sold this account to XXXX XXXX and all info must come from them. I am stuck now between a rock and a hard spot with nowhere to turn. I will assume it is illegal to put a negative ding onmy credit report without ever giving me a chance to dispute it. I was given an account number for XXXX XXXX of 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 09/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint: I TRIED TO get my report from free anual credit report website I only got XXXX  Report. XXXX and Experian kept saying there was an error try again later. Called XXXX and was on hold for over XXXX minutes and transferred to a recording to dispute a charge on my report but I DONT have my report! Called Experian was on hold for more than XXXX minutes! They say it will take XXXX weeks to process it and XXXX weeks for delivery!! That is not acceptable! I could loose alot if someone else is using my information

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 01-12-2018 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with Coinbase, Inc. (AZ).
Issue: Money was not available when promised

Complaint: I sent a wire transfer to Coinbase to deposit in my account on XX/XX/2017. 
I contacted Coinbase 's Bank, XXXX XXXX to verify funds went to Coinbase and they verified it was deposited in Coinbase 's bank account on the same day. 
It has been 17 days now and still no reply from Coinbase as to my money that was supposed to be deposited in my XXXX account. 
Coinbase has no person to contact for wire transfers, just a support email for opening tickets, but they never respond to my emails. 
I deposited XXXX with the wire and the XXXX # is XXXX. 
again, XXXXXXXX XXXX used this number to verify that the money was deposited in coinbase account. 
Coinbase never deposited in my account nor have they returned my money,. 
It says the money would be deposited the same day or by 2 days, it has been 17 days. 
Please help me with this.

Company response to consumer: Closed with explanation
Consumer complaint received 07/23/2015 about Debt collection (Federal student loan) with HEARTLAND PAYMENT SYSTEMS INC (WA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Company that 's reporting to my credit file under false/unlicensed name. In my credit file it shows as " Campus Partners ''. However, this particular company does n't exist or registered any state. After some digging I found out they are registered as XXXX XXXX XXXX. 

The problem is this particular company does n't respond to any of letters I 've sent to prove the Debt.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/25/2016 about Debt collection (I do not know) with Byrider Franchising, LLC (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have contacted and sent Fraud Affidavits to CNAC. Also, I have disputed this account with all XXXX Credit Agencies who stated that CNAC verified that this account belong to me. I find that hard to believe since I was never able to get a response back from CNAC. So, I really need your assistance in getting this matter resolved. I am tired of going back and forth without getting in results.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 09/30/2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (NJ).
Issue: Problems caused by my funds being low

Complaint: Between XXXX and XXXX I was charged excessive overdraft fees. Some of those fees were transfers to my own Bank of America checking or savings account. Over {$450.00} in fees. I would like a refund of those fees in full. Why? Because Bank of America advertises this service in which you are supposed to get notified immediately when your account is overdraft so you can take appropriate action. Usually, if you put money in the account within a few hours you avoid the fees. However, these notices are not coming to my email or text until at least 24 hours after the fee has been charged. The service is advertised to help you " avoid '' fees. Well, how can I avoid fees if I 'm not getting the alerts. By the time I checked by account I was already {$300.00} in the " red '' just from overdraft fees alone. I am a XXXX and I do n't make much that 's why I have these alerts so I know when I 'm missing money but I ca n't do anything when {$300.00} are already gone. I want all my excessive fees refunded from the time period of XXXX. 

Thank you.

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 04-05-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XXXX XXXX  XXXX amount is XXXX and does not belong to me.

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 07/28/2015 about Consumer Loan (Title loan) with Westlake Services, LLC (CA).
Issue: Charged fees or interest I didn't expect

Complaint: I started a new loan with Wilshire consumer credit in XXXX of XXXX payments were {$180.00} per month the loan amount was {$2500.00}. I kept looking at my statements and the balance never really changed I spoke to a loan agent and apparently my interest rate is 75 % since XXXX XXXX my total payments is over a {$1000.00} and only {$140.00} went to the principal. I did not know this till I called last week. That type of interest rate mean I wont be able to pay this off till XXXX or XXXX. I believe this to be abuse.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/26/2018 about Mortgage (Other type of mortgage) with JPMORGAN CHASE & CO. (MS).
Issue: Closing on a mortgage

Complaint: On XX/XX/XXXX I received a letter in the mail from chase, opened it and realized it was addressed to someone else ( XXXX XXXX or XXXX XXXX XXXX ). However the letter was addressed to my current address and regarding the house my husband and I sold XX/XX/XXXX, but neither of our names are on the letter. The letter is regarding " the amount of mortgage insurance, private mortgage insurance or VA funding ee you paid in calendar year XXXX '' I called chase to request information regarding the letter- Were the names mixed up? Did they send our personal information to someone else? Is this our information under someone else 's name? Will this effect our taxes? 
Chase would not give me any information since the loan was not in my name although my husband has previously authorized me to have full access to this account.

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 Alliance Data Card Services (AZ).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I am a victim of identity theft. The inquiries, which appears on my credit report from XXXX XXXXXXXX XXXX dated 1XX/XX/XXXX, XXXX XXXX XX/XX/XXXX and XXXX XXXX dated XX/XX/XXXX does not relate to any transaction ( s ) that I have made. It is the result of identity theft. I received a copy of my credit report and discovered a hard inquiry from your company. I did authorizing this inquiry. I did not apply for any credit with your company and have not existing accounts. Please delete this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05-09-2016 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: i check my credit report and it has a liens but the liens are not mine its from someone else i already fix the problem with the other bureau ( experian, equifax ) and they investigation shows that it not belong to me. they take it off of my report. 
so i dont know why transunion keep this liens in his report. 

this is a case of identity theft and i already shows all the documents to prove it to the others bureus sending the police reports, trade comissions report affodavid and a lot of documents they ask. 
so i need to take this off of my report becuse its not mine, and is damage my credit score and job opportunities. 
i already fix the problem with the irs and i have the documents to prove it.

Company response to consumer: Closed with explanation
Consumer complaint received 01-12-2016 about Credit reporting () with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: Experian has failed to cease reporting the inaccurate information on my credit report. I have filed numerous disputes, notified the creditors, and hired a credit agency to assist me to no avail. 
1. XXXX XXXX XX/XX/XXXX is being reported by Experian as charged off, this is not my debt. 
2. XXXX XXXX XX/XX/XXXX is being reported by Experian as charged off, Potentially, negative this is not my debt. 
3. XXXX XXXX. is reporting Potentially late, this is not potentially correct 4. Inquiries on my report were unauthorized : XXXX XXXX, XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Navient Solutions, LLC. (MA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: XXXX  University is a scam. I did not know this when I was trying to better myself and agreed to enroll when stalked by these predators.   I understand now the scheming ways of this " organization ''. I only attended for a few months online when I realized it was a farce and I would get nowhere with an accreditation from them. Not a real school.   The loans were already underway when I withdrew and now Navient has destroyed my credit. It has been years and years. I have tried reasoning and working with them to no avail.   Even though I am now receiving benefits from Social Security and can hardly get by they will not accept my proof of benefits or work with me. They want everything I have, continue accruing interest and over  XXXX  dollars is the balance. I will continue to fight them. Please beware of these predatory schools they give you nothing and will try to take everything.

Company response to consumer: Closed with explanation
Consumer complaint received 04-10-2018 about Credit card or prepaid card (Store credit card) with CITIBANK, N.A. (CO).
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint: I received numerous computerized harassing calls to my cell phone with no indication of fraud, yet no minimum payment was due on my Home Depot card that they were calling about, I went online to try to see the issue and my account was locked. I did not have time to sit on hold with the recommended XXXX. But then they send me an e-mail letting me know I can access my account online after their cut-off time for my payment and they lowered my credit limit and charged a late fee, but now I can only make the minimum payment of double the amount. Every month I am not able to access my account near or around my due date to make the payment so they can charge a late fee. Calls show up on my phone as a potential scam.

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