milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Experian credit reporting agency is knowingly reporting fraudulent items I have sent experian credit reporting agency all documents in order for them to remove such items. The furnisher of the information has provided to documents to experian yet experian is reporting fraudulent items.

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 05-03-2017 about Debt collection (Credit card debt) with ENCORE CAPITAL GROUP INC. (NY).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: Company has furnish accounts with credit Bureaus for collection of un-verified debt

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/29/2018 about Payday loan, title loan, or personal loan (Installment loan) with Monterey Financial Services LLC (TX).
Issue: Charged fees or interest you didn't expect

Complaint: In mid XX/XX/2017 I went to XXXX XXXX XXXX to look at puppies. The lady at the counter told me I could finance the puppy. I applied at XXXX XXXX XXXX and XXXX XXXX. When I applied for XXXX XXXX XXXX I was told I could take the dog same day. I paid a {$300.00} deposit over three weeks and was told the purchase price of the puppy was {$3000.00}. I have since lost my paperwork when my home flooded due to Hurricane Harvey. I  applied online to finance the dog and was approved. I was told my payment would be due in XXXX. It was my understanding that I was getting a loan for the purchase price of the puppy. I would have never agreed to pay {$6500.00} for a dog. The amount of {$6500.00} never presented itself with anything I signed, viewed or agreed to when purchasing this animal. In addition, the dog has had to have XXXX, and has fell ill twice ; once within the first week of getting the puppy. Had I known someone expected me to pay {$6500.00} for this puppy, I would have never left the store with the puppy and/or I would have returned it immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03-08-2017 about Student loan (Non-federal student loan) with SLM CORPORATION (IL).
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint: I would like to know if I am one of the ones that has been charged too much for my loan. I have been paying on it for years, and it just never goes away. I struggle monthly to pay this as I had to have my elderly mom be co-signer and I wo n't make her have to worry about it. I would appreciate any information that you can provide me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04-06-2016 about Debt collection (Federal student loan) with Navient Solutions, LLC. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: had a student loan from sallie mae around XX/XX/XXXX-XX/XX/XXXX. i was in car accident and not able to pay off. eventually i went back to work and filed tax return and IRS had deducted balance owed to student load from ta return and was paid in full. debt was still given to XXXX XXXX and they are trying to collect on a debt that has been satisfied as well as exceeding the statue of limitations for both XXXX and XXXX whee i currently reside. there has never been a payment sent to them to " reset '' the debt collection process. i have asked them to stop and explained to them that its been paid, but they refused to hear my side and insists that i give them a credit card number to make payments.

Company response to consumer: Closed with explanation
Consumer complaint received 08/14/2017 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (IL).
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint: Hello My name is XXXX XXXX I 'm filing a complaints because no Bank is letting me open any accounts I 'm writing to tell the information is wrong I was a victim of fraud and is trying to open a accounts can I please get some help 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 explanation
Consumer complaint received 08-09-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Asked the credit bureau to remove account that was not mine and was told the account was verified. Spoke with the collection agency and was informed the account was requested to be removed but it has not.

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 02-09-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with NRA Group, LLC (WA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I sold a house in XXXX, IN back in 2014, all bills were paid in full as part of the property sales agreement. Several months later the Indiana power company sent me a bill for new power consumption. I informed them at the time of the sale of the house and at receipt of the first bill that the house had been sold. NRA Group continually calls me now and refuses to send me proof of debt so I can address the issue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02-01-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Greetings, I have initiated a multiple disputes with Trans Union over the past few months to remove unauthorized Inquiries and addresses they have failed to fully validated that I initiated. It has been well over the 30 days given for Trans Union to respond with validated proof to delete these inquiries per the Fair Credit Reporting Act. I have provided all requested documents to Trans Union including my filed Identify Theft Police Report and proper identification to get this issue resolved in which they requested. I have also reached out to the creditors but they have also fail to fully validate these unauthorized Inquiries belongs to me aswell. Below are the reporting Inquiries and addresses that should be Removed / Deleted from my Trans Union credit report. Attached is a copy of my police report for your records. Should you need any additional information please let me know. 

Reporting Inquiries : 1 ) XXXX XXXX - Date Filed : XX/XX/XXXX 2 ) XXXX XXXX XXXX - Date Filed :XX/XX/XXXX 3 ) XXXX XXXX   XXXX - Date Filed : XX/XX/XXXX 4 ) XXXX - Date Filed : XX/XX/XXXX 5 ) XXXX XXXX - Date Filed : XX/XX/XXXX 6 ) XXXX - Date Filed : XX/XX/XXXX 6 ) XXXX XXXX - Date Filed : XX/XX/XXXX Reporting Address : XXXX XXXX XXXX XXXX, MI XXXX Trans Union Attn : IDENTITY THEFT DEPARTMENT XXXX. XXXX # XXXX XXXX, PA. XXXX Thank you for your assistance in resolving this matter. 

Regards, XXXX XXXX XXXX XXXX XXXX XXXXr , XXXX  XXXX XXXX, PA XXXX SSN : XXXX DOB : XX/XX/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 01/26/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with LEXISNEXIS (TN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: LexisNexis is reporting a tax lien on my credit filed that is not mine, I have to tried to contact this company several times and ca n't never get anyone on the phone the hold time on the phone is always long and never an answer.

Company response to consumer: Closed with explanation
Consumer complaint received 10/29/2015 about Credit reporting () with CAPITAL ONE FINANCIAL CORPORATION (FL).
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint: After viewing and being inundated by television and repeated direct mail advertisements from Capital One, I decided to apply for their credit card in order to take advantage of their supposedly generous mileage offer. Both my wife and I maintain an " Excellent '' credit rating. To my surprise, Capital One summarily declined my application and to date, despite my repeated requests, has failed and refused to tell me why. I suggest that their advertisements are completely fraudulent and that they do not operate in good faith, and I would like their so-called " hard inquiry '' removed from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 04/13/2017 about Mortgage (Conventional fixed mortgage) with U.S. BANCORP (WI).
Issue: Loan servicing, payments, escrow account

Complaint: My Mortgage was sold to US bank. The indicated that insurance was required. I have provided them copies twice. It is a condo policy. After the first time I sent it in ( XX/XX/XXXX ), they indicated that my name needed to be on the policy, not just the condo association. I sent a second copy specifically listing my name ( on or around XX/XX/XXXX ). I received in the mail this week a statement indicating that they used my escrow funds without my approval to buy insurance ( {$820.00} ). When I called, they indicated I needed an XXXX policy to cover the contents of my condo ( first time I had ever heard this ). My insurance rep indicates I already have courage for contents and an XXXX would be duplicate coverage. I have confirmation from my insurance rep that I an covered. 
I contacted US Bank on Tuesday the XX/XX/XXXX to discuss my concern and spoke to XXXX ( would not give last name ). She would not connect me with anyone in the insurance department indicating they do not accept calls. They will mail me something. I requested an immediate call from a supervisor and have yet to receive it. 
Is it legal for US Bank to use my escrow money without my permission or approval for something I do n't need or want?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 09/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (WI).
Issue: Problem with fraud alerts or security freezes

Complaint: I was part of the Equifax credit information hack. I find it unacceptable that I have to PAY to freeze my credit when I did n't consent to my information being stored by Equifax, XXXX, or XXXX in the first place.

Company response to consumer: Closed with explanation
Consumer complaint received 04-02-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Denied credit line from XXXX XXXX due to delinquent student loan report on credit report. Contacted XXXX since I had been paying on my account and filed a dispute with TransUnion. XXXX informed me that they did not report to the bureaus as my account was not in default. I then received a forbearance. Dispute from credit bureau stated info correct. Contacted XXXX again where they verified the loan was not in default and had not been reported to the credit bureaus. Sent a letter that states as much. Filing another dispute with crwdit bureaus with documentation attached. Contacting this agency with concerns the reporting is obviously fraudulent. I believe local law enforcement agencies and XXXX County School District depts. responsible for fraudulent reporting as means of retaliation for grievances, complaints, and EEOC claims of bullying, harassment, discrimination, and retaliation.

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 03-09-2017 about Debt collection (Medical) with Penn Credit Corporation (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: This claim regards labwork that was covered 100 % by XXXX.I sent in an appeal to XXXX. I did not find out about this balance until XX/XX/2016. I immeditaely addressed this by sending un an appeal.I contacte myXXXX XXXX office and requestsed that they submit a corrected addendum if XXXX codes to correct this bill by XXXX. I am still wainting on a response. XXXX covers all pre-screening and preventative lab work. I am not responsible. Please remove from collections. Thank you XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/29/2017 about Student loan (Private student loan) with NELNET, INC. (NY).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: My private student loans were made and serviced by XXXX. My loan were originally on a 10 year term, but in year four or five of the loan, i changed the loan to a 20 year term. 
As a result, my monthly payments were {$140.00}. In XX/XX/XXXX, the loans were transferred to XXXX. The first few payments were for a similar amount, but then in XX/XX/XXXX, XXXX unilaterally increased my payment amount to {$1300.00} and withdrew that amount from my account via direct deposit. They did not notify me in advance of this increase. When i contacted XXXX, they said that the only documentation they had was that my loans were on a 10 year term, and  therefore they increased my payments to {$1300.00}. However, XXXX is ignoring that my statements and payments for the past 4 years reflected a 20 year repayment schedule. I believe that XXXX did this because my loans are at a very low interest rate ( 2.25 % ) and they want to accelerate my payments so that they can loan out the money at a higher rate.

Company response to consumer: Closed with explanation
Consumer complaint received 10-03-2017 about Checking or savings account (Checking account) with REGIONS FINANCIAL CORPORATION (AL).
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint: On XXXX XXXX 2017, XXXX XXXX XXXX withdrew funds out of my account without my permission. The account was set up for autopay, and my regular payments come out on the XXXX of every month. When I contacted XXXX XXXX XXXX around the XXXX of XXXX, they notified me that their is nothing they can do since the funds were taken out by a third party ( XXXX XXXX ). I asked XXXX XXXX XXXX what is the next course of action, and they told me that I would have to contact my bank and file a dispute. So I filed a dispute with my bank around the XXXX of XXXX as well. I currently bank with Regions Bank. Regions bank notified me that they will send me a form to sign and return to them. So a couple of days later, I went to the Regions branch and the bank representative printed out the paper and told me where to sign. I asked the bank representative was there anything else that I needed to do and she said no, all the information was completed. I decided to call the bank around the XXXX of XXXX and found out that the claim was denied. When I called the solutions team with Regions bank, they notified me that the claim was denied because some of the claim information ( that regions wrote on the form ) did n't get faxed correctly ( regions representative faxed by the way ), and that they are missing supporting documentation ( which the regions representative said was n't needed ). so now I am truly frustrated and had to go through the entire process again. So I resubmitted all the information with supporting documentation saying that the payment is n't suppose to be taken out until the XXXX. I waited 5 days and was told that the claim was still pending, but a decision should have been made since the solutions team only have 5 days. Then I called back after that and was informed by a male representative that the solutions team should of had a decision and that they are going to have to escalate it to management. So now I 'm assuming that they just do n't care about my business and that my claim is n't a priority. Then 2 days later after the male Regions representative submitted the information to the solutions management team, they denied the claim. After all of this and submitting my supporting documentation, I feel like Regions did not look out for my best interest and this issue created overdraft fees in my account which I had to pay.

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 02/16/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: TransUnion has reported a Lien on my account. 

The Company in question XXXX XXXX XXXX XXXX XXXX XXXX XXXX. filed a lien on a fraudulent charge made in XX/XX/XXXX with their client XXXX XXXX XXXX in amount of {$940.00}. 

This merchandise was purchased by an individual in XXXX, Fl. I do not reside in that area of Florida. The original purchase took place on XX/XX/XXXX and my first notice of the lien was on a credit report dates XX/XX/XXXX. 

I have never received invoices, statements or advise of Lien from the parties involved.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/16/2016 about Debt collection (Payday loan) with Integrated Recovery Services (CA).
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint: I have received XXXX calls at work from this lender after I asked them to stop calling me at work. The person responsible is XXXX XXXX at XXXX extension XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 06/22/2016 about Bank account or service (Checking account) with CITIBANK, N.A. (MA).
Issue: Account opening, closing, or management

Complaint: I opened a Citigold checking account in XX/XX/XXXX with an offer for XXXX AAdvantage miles. I completed the offer requirements and was told by a Citibank representative that the offer had been applied to my account and the miles would be credited by XX/XX/XXXX. They now tell me I wo n't be receiving the miles.

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 03/16/2018 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with WELLS FARGO & COMPANY (GA).
Issue: Fraud or scam

Complaint: I purchased a recipes and the seller never sent over my order. Ive reached out to him several times and there was no response.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 09/25/2015 about Credit card () with Resurgent Capital Services L.P. (CA).
Issue: Other

Complaint: I obtained a credit card from XXXX bank and due to unforseen circumstances the credit card went unpaid and eventually the debt was sold to a collection agency. This credit card was opened more than 7 years ago and it is reflected as negative information on my credit profile. According the Federal Trade Commission no debt can be reported if it is more than 7 years old and in this case it fully applies. I have written directly to the collection agency and they are LVNV FUNDING LLC and they have refused to reply to my letters.

Company response to consumer: Closed with explanation
Consumer complaint received 08-04-2016 about Credit reporting () with EQUIFAX, INC. (MD).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: XXXX is on all XXXX credit reports. 
account unknown and unauthorized use of name I want them verify my account by showing original documents

Company response to consumer: Closed with explanation
Consumer complaint received 05-11-2015 about Consumer Loan (Vehicle loan) with CREDIT ACCEPTANCE CORPORATION (DE).
Issue: Problems when you are unable to pay

Complaint: This is my second complaint against Credit Acceptance Corporation and their continual use of harassing behavior. I am a customer who has never sent a payment 30 days late since I obtained the loan with Credit Acceptance on XX/XX/XXXX. On XX/XX/XXXX, I received a notice from Credit Acceptance detailing their intention to repossess my car. The letter was sent from them on XX/XX/XXXX. Here lies the inconsistency. Credit acceptance sends the letter on XX/XX/XXXX and the coupon book that I have in my possession states that if a payment is received after XX/XX/XXXX that I will be assessed a late fee which implies a grace period. On XX/XX/XXXX, I paid my car note in the amount of {$330.00}. I have advised Credit Acceptance continually of my intent to pay and I have been a loyal paying customer since XX/XX/XXXX. I have requested a copy of my late fees, which I am not in agreement with, from Credit Acceptance which I have never received. I believe Credit Acceptance is harrassing me in retailiation of my first complaint to Consumer Financial Protection Bureau Agency. There is not reason for them to have the intent to repossess my car when my track record shows my history of paying them. The past due amount stated on the notice is {$370.00} which includes my monthly payment of {$330.00} which was paid on XX/XX/XXXX and {$49.00} in late fees which I requested documentation for and never received but paid on XXXX. Please stop the harrassing behavior. Companies do not send letters of intent to repossess a car that payment is not 30 days late unless the intent is to harrass. Since the history of my loan with Credit Acceptance my credit report shows XXXX for no late payments which they indicated so why would they want to repossess my car. CFPB, I need your help to stop this harrassment.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation