milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03-01-2017 about Consumer Loan (Vehicle loan) with EXETER FINANCE CORP. (TX).
Issue: Shopping for a loan or lease

Complaint: This company made inquiries to my credit report. I did not authorized the dealership to contact this company for credit approval. in many cases the dealership was told in writing not to do so. 

These companies were sent letters disputing the inquiries and told me to contact dealer. I disputed with credit reporting company and they told me to contact the credit company who requested my credit report. 

Either way this company should not have pulled my credit report and have over XXXX inquires on all XXXX credit reports. 

I want their inquires removed. 

SSN : : XXXX DOB : XX/XX/XXXX1970

Company response to consumer: Closed with explanation
Consumer complaint received 11/16/2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (PA).
Issue: Problems caused by my funds being low

Complaint: i had a valid overdraft caused by an oversight on my part. the bank charged a valid overdraft fee of {$35.00}. This fee alone took my account into the negative. Before my next pay arrived, I was charged an extended overdraft fee of {$35.00}. I called the bank to have the fee returned, as it was charged solely due to another fee the bank had charged.they refused to return the extended overdraft fee as it is current bank policy.

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 07-05-2016 about Credit reporting () with Factor Trust (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I 've tried entering a dispute with both FactorTrust Inc ( the credit agency ) as well as XXXX XXXX XXXX ( the company that had received a fraudulent credit request, but neither was able to take my information.

Company response to consumer: Closed with explanation
Consumer complaint received 10-03-2016 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I received a response from XXXX after I sent a certified letter to verify this account. They responded that the account is not being reported to XXXX bureaus. Please remove this account from my credit report immediately.

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 03/22/2017 about Credit reporting () with CAPITAL ONE FINANCIAL CORPORATION (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Regarding my XXXX credit report. I submitted a request for documented verification that I authorization this inquiry. I have not received a reply from the credit reporting agency nor the company who made the inquiry in the last 45 days. I requested documentation proving i made the inquiry and if they could not show proof then it should be removed from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 06-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TIAA, FSB (FL).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: I applied for a credit card with Everbank. I got a email reply from the banker.
" I did hear back regarding the credit card and was told it was declined at this time. There is limited info that is shard with me, but he did say it wasnt the credit score and had more to do with public records. Most of the time that has to do with either collections or a charge off. Some items like that, even when paid off, will continue to show until you ask the company to remove it. They will send a letter that will explain the exact reason. '' I researched my public records and found nothing. I feel like I am being discriminated against.

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 09/17/2015 about Consumer Loan (Installment loan) with PAYPAL HOLDINGS INC. (CA).
Issue: Shopping for a loan or lease

Complaint: Paypal Credit denied my application for an account because they said they could n't identify me. ( I have had a PayPal account for many years ) They used " public records '' from a company called XXXX. The questions were : Have you or anyone you 've known lived in the following cities ( them they gave me a list of XXXX cities ) the second question was for the exact street number of the house where I lived with my mother 37 years ago. There was a XXXX question also but I forget what it was.

Company response to consumer: Closed with explanation
Consumer complaint received 03-03-2017 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (CA).
Issue: Account opening, closing, or management

Complaint: Wells Fargo allowed an unknown fraudulent individual to open a checking account in my name without verifying or confirming their identity. I notified them and they assured me that they would complete an investigation in a timely manner ; however it has nearly four months since I reported this and they have failed to contact me. Not to mention that financial loss that I have suffered which includes my personal time. Additionally, the bank has been sending me harassing notices stating that I owe them money for the account being overdrawn which is illegal.

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 09/13/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (PA).
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint: My original loan amount for all three loans was {$160000.00}. I had some trouble paying regularly initially in XXXX.I paid but missed some payments and some were late. In XXXX, I set up an automatic debit from my bank of approximately $ 1700/month. I have made every payment since then on time. I currently still owe {$240000.00} and wo n't have it paid off until XXXX, if I live that long. The total amount I will have paid off, if I live long enough to pay this back will {$410000.00}. What 's more, I can not deduct any of the interest that I pay on these loans, unlike my mortgage. My loans were originally held by XXXX XXXX and I consolidated them through them but they are now owned by Navient. I was told when I consolidated them that I could only do it once. The amount of money I pay per month is a significant amount of my take home income, more than my monthly mortgage payment.

Company response to consumer: Closed with explanation
Consumer complaint received 02/16/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with AMERICAN EXPRESS COMPANY (CA).
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint: AMEX does not adhere to requirements of UIGEA. Their card product is available on online betting sites and they allow foreign transactions charges to go through with no validation. AMEX 's lack of controls around UIGEA allowed my spouse to run up several thousand dollars on their card in online gambling losses.

Company response to consumer: Closed with explanation
Consumer complaint received 04/16/2015 about Credit reporting () with EQUIFAX, INC. (VA).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: com & gt ; Subject : Credit reportingbureausMessage Body : I want to place an inquiry and a complaint about thethree credit reporting companies especially Equifax since it it 's reports arefavored by businesses. 

Inquires, such as ones for auto financing, or forthe leasing or purchasing of a home, should not be called hard inquiries because shelter and transportation is a necessity of life. These inquires stay on the record for two years. 
I gave an auto dealership permission to run acredit check, which I thought would be done XXXX time. However, they placed atlease XXXX hard injuries against my record in a few days. That reduced my pointsconsiderably. I was trying to help a young adult relative to get transportationfor work. 
Why does Equifax score the lowest in the industry? Some one needsto look into how hard inquires are determined. Inquires about transportation andshelter should not be considered a hard inquiry and should not be charged against a person 's credit score. 
If this is not the correct place to make these inquiries, please direct me to the best place. 

XXXX XXXXXXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 10/19/2015 about Bank account or service (Other bank product/service) with Empowerment Ventures, LLC (VA).
Issue: Making/receiving payments, sending money

Complaint: I have a pre-paid Visa debit card through Rushcard which uses XXXX. Myself, along with XXXX others have not had access to their funds for almost a week now due to a " technology glitch ''. My payday came and went and although my direct deposit is showing in my account online they will not give us access to it. The card gets declined or says invalid. They have given us no solution or time frame as to when it will be fixed. Their customer service # hangs up on you now. I believe they stole our money. My cell phone was turned off, I had to borrow money for food, people can not buy their medications or get gas to go to work. I need my hard earned money so I can cancel this card and never use it again. They need to release everyone 's money and if it is a card issue then overnight a new card. They will not give us any information.

Company response to consumer: Closed with monetary relief
Consumer complaint received 07/16/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: My dispute was initially filed with the assistance of the CFPB in XXXX/XXXX/XXXX and was against the Original Creditor : XXXX XXXX XXXX and its collection agent XXXX XXXX. 
As far back as XXXX XXXX I have experienced identity theft. My previous dispute was initiated because of this fraudulently opened account. I wrote to the credit bureau about the collection agent and disputed the debt reported by XXXX XXXX and and have had no response from Trans Union ; XXXX ; XXXX or have received any assistance in clearing this inaccurate information. I recently viewed my credit reports and find that this account is still reporting in my files and is causing a very negative effect and by non ability to acquire credit as a new business owner is causing me extreme financial hardship.

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 07-12-2015 about Debt collection (Credit card) with Dynamic Recovery Solutions, LLC (NV).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: XXXX Collection agency ( Dynamic Recovery Solutions ) has called me while I was at work, on my work phone, which I understand is a violation of the FDCRA. This is very inconvenient and inappropriate, and my employer does not allow such personal calls. They are attempting to collect on a debt that has passed the statute of limitations in both my state and the state that I previously lived in. They are falsely claiming that I made a payment in 2010 in order to re-age my account, which I understand is also a violation. There have been no payments on this account ; enough time has passed to allow this account to drop off my credit report. It is not currently being reported on my credit reports to my knowledge, but I fear that they will.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01-04-2018 about Debt collection (Medical debt) with TENET HEALTHCARE CORPORATION (FL).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: On XXXX/XXXX/XXXX, I sent out a debt validation letter to XXXX XXXX XXXX about account XXXX. They received the item on Friday, XXXX XXXX. 

They responded within 30 days, however they are still attempting to collect the debt from my, although it is past the state of Florida 's Statute of Limitation. Proof of there attempt to violate Chapter 95, Section 11 ( b ) of the Florida Statute of Limitations is attached, listed at the bottom of their document. They state : " This is an attempt to collect a debt by a debt collector. Any information obtained will be used for that purpose ... '' I have grounds to pursue legal remedies if this issue is n't resolved immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 11-01-2015 about Credit card () with JPMORGAN CHASE & CO. (IL).
Issue: Closing/Cancelling account

Complaint: Never recieved replacement card got excuses and cancelled card without telling me was always paying on time poor customer service at chase visa

Company response to consumer: Closed with explanation
Consumer complaint received 06-02-2017 about Checking or savings account (Checking account) with JPMORGAN CHASE & CO. (WA).
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint: For the l ast two months, Chase 's w ebsite has only work intermittently. This has made it difficult to manage my accounts and use the online bill pay functions. At first I thought it was a temporary issue will updates were made, but the problem has persisted for months.

Company response to consumer: Closed with explanation
Consumer complaint received 08/31/2016 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (LA).
Issue: Loan servicing, payments, escrow account

Complaint: Since XX/XX/XXXX, Ditech has XXXX my accounts due to a changeover in their computer system. All of the accounts except for one has been corrected. Despite receiving all of my monthly payments on time, they state that I have not paid since XX/XX/XXXX. I have proof of payment as well as proof of their mismanagement. I get called by their collections department all of the time and when I explain the situation to them, they say that I am correct. And yet they keep calling. Just yesterday, a phone representative rudely asked why I did n't make my last payment, when in fact I did. The person stated that if I pay {$150.00}, then the rest of the unapplied amount would complete the payment and I would be brought current. I do not owe this money, but wanted to make this go away, so I paid anyway, even though money is tight right now. I think this amount is incorrectly charged interest and late fees. Upon paying this amount, they erased all of my payments since XX/XX/XXXX. I was assured on several occasions since XX/XX/XXXX, that they would straighten this out. Am I supposed to receive harassing and rude phone calls for the next 18 years because Ditech ca n't correct this? Is it Ditech 's wish to force default on a homeowner so they can take their home? Ditech, please take notice that CFPB is publically publishing this complaint. Since I had loans on this property for the last 10 years, I was never late nor am I late now. And yet I am being treated like a deadbeat by Ditech.

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 02-08-2017 about Debt collection (Credit card) with HSBC NORTH AMERICA HOLDINGS INC. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: They refuse to reply to all my disputed letters I sent to them, and refuse to fully remove the collection off my credit report. XXXX and XXXX has already gotten notification of removal but they have not removed it off my XXXX report and it is impacting my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 09-10-2015 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (AZ).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: My sister passed away in XXXX of this year. Upon going through her things I discovered that I was a co-signer/borrower on her student loans through Navient. I have made contact with Navient many times since discovering this information. Every time that I call I was given the run around passed to another department and them told I would have to go back to the department I started with. I went through the fraud department which they denied my claim did not give a reason why. Then I was told XXXX another time I called XXXX I needed to contact the company that has the loan and they would give me a relief which I clarified with agent several times " this means that I would not be responsible for any of the loan and that I would not owe anything correct '' I asked this question several times and he proceeded to tell yes/correct I would not owe anything that is what the relief was. Come to find out that was not correct ( still waiting for a supervisor to call me back in regards to pulling the call to verify what I was told ). The strange things is if I am a co-borrower why was I not informed of payments that were missed so that I would have the opportunity to do something to correct ( defer them etc. ) I was never contacted they just put them in default and sent them to collections. Oh yeah to be relieved of my reasonability I would need to come up with {$11000.00} to pay a % and I would be free and clear of this mess. I do not know how I am responsible for something that does not have my physical signature on the promissory note just my name and a check mark. This has ruined my credit and cost me a job. I am constantly getting wrong information every time I call on how to handle this. Another thing I find very frustrating is my personal information is being handed XXXX. I am not sure where or what to do at this time because of the frustration and bad information given. This is just a brief explanation of this situation.

Company response to consumer: Closed with monetary relief
Consumer complaint received 02/16/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Southwest Credit Systems, L.P. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: This is incorrect for one. I 've already disputed this. They took off my record now trying to put it back on. Slimy company trying to make money.

Company response to consumer: Closed with explanation
Consumer complaint received 09/14/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I do not owe any GA state tax liens, this is inaccurate information listed please help

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/29/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with BARCLAYS BANK DELAWARE (CA).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: On about XXXX, XXXX closed my credit card account without my permission and it does not refund me annual fees. I just opened this card account for only three months and rarely use its benefits.

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 03-01-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
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 send 5 letters to Equifax, disputing wrong information, those are : inquires being reported that were not done by me, wrong names, wrong address that i never lived on, they have refused to do anything about, they simply send a letter saying the are factual records, which they are not, 5 letters have send they refused they causing damaged to my credit, this company needs to be fined and shut down, I was the victim of Identity Fraud 2 years ago..since then i been trying to delete errors from my credit and Equifax is the worse, there is no proof on any of these inquires, since they were not done by me..still they refused to delete them..they don't verify as well don't care about the consumer and are causing damaged to people credit, hurting the availability of getting or credit or low rates. 

Wrong name XXXX, twice i never inquire or ask for a lease XXXX card i never apply for it

Company response to consumer: Closed with explanation
Consumer complaint received 04/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with WELLS FARGO & COMPANY (NV).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: The  XXXX  credit companies that are  XXXX ,  XXXX  and  XXXX   XXXX  are showing that I have a late payment on  XXXX . The account was paid off  XXXX / XXXX /  XXXX   and I had a refund mailed to me on  XXXX / XXXX /  XXXX  .     I am trying to buy a home and with this reported late in the last 12 months it is impossible. I had disputed the mistake with the credit companies and it was never removed. All it showed was ACCOUNT IN DISPUTE -- CONSUMER DISAGREES.     What is there to disagree with? Did they even call to check? I am trying everything I can I just feel as if I have no options. I will continiue to work with my lender to get this fixed but th e 2 credit companies have been of no help and Wells Fargo will not provide a letter that there was never a late  on the account, just this payment history that I am attaching below.

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 10/31/2017 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: My tax lien was released in XXXX, I attached proof. 

XXXX and XXXX deleted this Public Record from files. 

I contacted Equifax several times trying to dispute this record, they simply ignore it.

Company response to consumer: Closed with explanation
Consumer complaint received 09-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Problem with fraud alerts or security freezes

Complaint: When i try to apply for credit im told theres a fraud freeze on my credit reports. I never applied for a freeze, i have no information of this and i want this removed from my credit reports immediately

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