milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10/22/2016 about Payday loan () with CNG FINANCIAL CORPORATION (MI).
Issue: Can't contact lender

Complaint: I went to Check n Go on XXXX and I was told that I needed to provide a paystub because the XXXX on file was over 30 days old. I complied with the request. I was also told that I needed to provide proof of an active bank account. I showed the representative my my bank account info from my smartphone. I 'm XXXX XXXX. I noticed a XXXX male ahead of me asked for a loan for {$420.00} and he did not have a paystub and he was told that 's ok you do n't need XXXX because the one we have on file is just over 30 days old. He also did not ask him to prove he had an active bank account. I feel I was discriminated against. Everyone should be held to the same standards and practices. I just wanted to bring this to the attention of management to ensure that lending requirement are consistent with all customers.

Company response to consumer: Closed with explanation
Consumer complaint received 12/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (AZ).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: XXXX and Experian is reporting the wrong XXXX credit card account number on my credit report. The XXXX XXXX XXXX account number ending in : XXXX is incorrect. My XXXX XXXX credit card account with a credit limit of {$12000.00} is not being reported correctly on my credit report. The wrong XXXX XXXX XXXX XXXX credit card account is being reported on my XXXX and Experian credit report.

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 02-09-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with WELLS FARGO & COMPANY (TX).
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint: Wells Fargo uses XXXX ( XXXX Account Updater ) and will not allow me to opt out. They shared my new information with XXXX and XXXX gave my new card number without my authorization to the merchant.

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 06-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with Checkr, Inc (TX).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: Checkr a background check reported out dated infomation about me. They reported a   XXXX   XXXX   from 22 years ago and i was denied employment because of the report

Company response to consumer: Closed with explanation
Consumer complaint received 10-01-2017 about Debt collection (Medical debt) with Glenn Associates, Inc. (MA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I am being charged for a service where I had active health insurance at the time. I had XXXX XXXX XXXX XXXX and I had disputed this through the credit bureaus with no success XXXX/XXXX/XXXX is the date of service for {$400.00} I am also being charged for date of service XXXX/XXXX/XXXX for {$360.00} XXXX/XXXX/XXXX {$230.00}

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 08/28/2015 about Debt collection (Credit card) with Consumer Asset Management (Texas) (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: A XXXX XXXX has been phoning my home from an untraceable phone number ( perhaps registered somewhere XXXX XXXX and when I phoned him back he told me he was working for a " client '' that told him I owed over {$13000.00} to a credit card company and they were going to add {$5000.00} in penalty. I tried to get his address, he refused. I told him any debt resembling that amount was paid off years ago. I asked the name of his " client '' and he refused to tell me. He also had a recorded message from another untraceable phone number leave a message about the government starting an action. He hung up on me twice. He was very rude.

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 03/17/2016 about Mortgage (Conventional fixed mortgage) with Specialized Loan Servicing LLC (OR).
Issue: Loan servicing, payments, escrow account

Complaint: Specialized Loan Servicing has been very difficult to work with. Please see attached dispute letter. Lack communication unless it suits them. Refused to assist me, forcing me into Foreclosure when it was not necessary. They refused my cash payment that I was told were certified funds, but then refused to tell me they refused the payment, instead blaming it on the vendor that sent the funds and giving me the run around only to tell me there was nothing I could do but lose my home. They transfer you over and over so you get so frustrated you just hang up.

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 11/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CT).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: XXXX erroneously reported 6 student loans totaling {$13000.00} as 90 days delinquent in XXXX of 2015 despite numerous attempts to submit documentation that I was eligible for deferment, or at a minimum forbearance.

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 02/24/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with FAIR COLLECTIONS & OUTSOURCING, INC. (MD).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: This debt needs to be taken off of my credit report and I have requested this multiple times with no success and they wont send me any verification this is my 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 11-10-2015 about Debt collection (Credit card) with Mediation Recovery Center (AL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: Debt is NOT mine. I am a victim of Fraud. Multiple accounts ( credit cards ) have been opened within a time-frame when I was not even in XXXX. After finding out about the fraud through my credit-reports I placed a Fraud-Alert, went to the XXXX Police in XXXX and got XXXX involved. After those measures and disclosing proof that this debt is NOT my responsibility - it was FRAUD, all companies have withdrawn the fraudulent accounts BUT XXXX. The attached documents, statements and proof ( i.e. police report, proof that I was not even in XXXX when the Fraud occurred, multiple witnesses stateside and in XXXX, etc. ) will explain in detail! 
I have been trying for years now for multiple collectors to get the point, IT IS FRAUD, but the account keeps being sold off. I never received anything in writing from any of them, including the original company, up until now.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/24/2016 about Bank account or service (Checking account) with KEYCORP (NY).
Issue: Account opening, closing, or management

Complaint: I have several checking accounts with keybank, somehow I got enrolled into the rewards program for all XXXX checking accounts. I called keybank and a gentleman Serviced my accounts he cancelled the rewards programs on all XXXX accounts and said I will receive a refund {$40.00} service fee for each account enrolled, that is should show up in 24 hours it is now several days. I called again and got a run around. I am no longer enrolled in the rewards program but they kept the {$40.00} service charge for the each of the XXXX accounts. the accounts in question is XXXX,XXXX,XXXX. I had planned to close XXXX of the XXXX accounts but I am waiting till this matter is resolved

Company response to consumer: Closed with monetary relief
Consumer complaint received 03/20/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Creditors Specialty Service Inc (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Creditors Specialty Svc of NV inc informed me that a car I owned was towed after I sold it, I told them I had sold it and they asked for proof so I called DMV and the representative told me that the towing company contacted the DMV to see who the past owners were and they also told me this type of thing happens all the time that they try to collect from any one who use to own the vehicle, they sent me documents that show that I indeed completed the release of liability. I called the collection company and told them the name of the person we sold the vehicle to but we still are receiving threats from the collection company and its been over 3 years since I received the first collection notice.

Company response to consumer: Untimely response
Consumer complaint received 06-02-2017 about Money transfer, virtual currency, or money service (Virtual currency) with PAYPAL HOLDINGS INC. (CA).
Issue: Money was not available when promised

Complaint: Sold items on XXXX, shipped with tracking the same day. XXXX said my funds would be available 72 hours after the time the items were delivered. It has been 72 hours and the funds are still unavailable. I 've called Paypal 4 separate times today and gotten different answers from each person. My last phone call, I asked to speak with a supervisor and was denied that and then hung up on.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with DISCOVER BANK (FL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Unauthorized inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 04-08-2016 about Payday loan () with ACE CASH EXPRESS, INC. (TX).
Issue: Charged fees or interest I didn't expect

Complaint: My check was pending overnight but when I reserve it it was tell me XXXX XXXX took out XXXX and I do n't even know what is that

Company response to consumer: Closed with explanation
Consumer complaint received 08-04-2017 about Checking or savings account (Savings account) with WELLS FARGO & COMPANY (FL).
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint: Wells Fargo opened a Trust account for the co-Trustee of my father 's Irrevocable Trust. My father passed on XXXX XXXX, 2017 and a life insurance payout from XXXX XXXX was issued for the XXXX XXXX Irrevocable Trust. I, XXXX XXXX, am a Trustee of the Irrevocable Trust along with my brother XXXX XXXX. XXXX XXXX informed me the payout check in the amount of {$620000.00} was deposited/cashed at Wells Fargo. My share of this check is $ {$310000.00} as per the Trust Agreement. I went to Wells Fargo to inquire how the check was cashed without my signature or knowledge. The branch Rep. XXXX XXXX at Wells Fargo informed me that my brother opened an account in the name of the XXXX XXXX Irrrevocable Trust and had listed me as Survivor instead of Trustee and I had no access to the account. I provided the Trust papers confirming this account has incorrectly listed me as Survivor instead of Trustee and the branch manager reviewed the documents and confirmed this to be true. The branch representative called Wells Fargo Legal because I requested they correct the account and list me as Trustee or freeze the account until it was corrected. I emailed the Trust papers to the Wells Rep. and she forwarded it to Wells Fargo Legal while I was at the branch. Wells Fargo informed me there was nothing I could do and I must obtain a court order to obtain any information or make any change to the account. I had to pay an attorney {$4000.00} in order to obtain my share of the Trust. I also had no way to know if that money was taken while I waited for my brother to respond to the attorney. I returned to Wells Fargo on XX/XX/XXXX to inquire if the money was still in the account and they again refused to make any changes or release any information. Wells Fargo fully acknowledged the account was incorrectly opened based on the Trust Agreement but refused to make any corrections or place any hold on the funds. Wells Fargo opened the account without proper documentation and by refusing to correct the error cost me {$4000.00} in legal fees. I would like to file a complaint against Wells Fargo for costing me {$4000.00} even though they acknowledged this account was incorrectly opened. 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 11/20/2016 about Credit reporting () with EQUIFAX, INC. (NC).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: I had old child support deleted from all XXXX credit bureau they are more then 7 years old now equifax has now put it back on my credit report within 7 days. they are just doing what they want with my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 09/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (VA).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint: I was part of the XXXX 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 XXXX, Experion, or XXXX in the first place. Congress should make credit freezes and unfreezes free federally. Credit reporting agencies already make money off of my information and I should not be required to pay them additional money to protect my information, especially when they are doing a POOR job in the first place. Thank you for taking time to read my complaint.

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 06/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Sent letter in  XXXX  for goodwill adjustment for the following periods :  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  this request was denied.   I followed up and sent in a second letter via fax on  XXXX   XXXX ,  XXXX  to request that the delinquent status be removed since due to being granted retroactive forbearance is now being inaccurately reported as being late when. I received a phone call from their  Consumer Advocate  center and they stated that they do not have to update what they consider correct information at that time period. Yet  XXXX  refuses to correct and update this information standing behind their policies.

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 10-12-2015 about Money transfers (International money transfer) with XOOM CORPORATION (MD).
Issue: Money was not available when promised

Complaint: I tried to send {$2900.00} to my cousin brother through https : //www.xoom.comXXXX on XXXX XXXX 2015. 
According to the advertisement the money should be deposited instantly, so far they are saying the company is working on getting some status update from their partner. I am not receiving proper status update from them. I would like the money to be deposited in cousin 's account or refunded back to me ASAP.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with monetary relief
Consumer complaint received 08/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: This has been going on since XXXX. I had to file bankruptcy and my credit has been hacked multiple times by XXXX XXXX XXXX and XXXX XXXX XXXX and XXXX XXXX XXXX and XXXX XXXX XXXX and XXXX XXXX and 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 06-02-2016 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint: Bad collection process. They called our home multiple times even after we made our payment.

Company response to consumer: Closed with explanation
Consumer complaint received 07-11-2016 about Credit reporting () with Fidelity National Information Services, Inc. (FNIS) (PR).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: XX/XX/XXXX Certegy was fined $ XXXX by the FTC for inaccurate reporting to credit agencies and for making it overly challenging for consumers to have it corrected as Certegy Refuses to do the proper research as required by law. They are still operating under these procedures and I am tired of this company destroying my credit. Certegy claims that in XX/XX/XXXX I had a check returned and unpaid that I wrote to Go-daddy. I have pulled up the receipt from the XX/XX/XXXX transaction with XXXX and it shows that it was paid with a credit card and settled in full immediately. I contacted Certegy and they stated that they have no records of the transaction but they continue to report to the credit agency that the check was a write off. The only possible explanation I can think of ( which I had to make up in my mind because there is no evidence of it ) is as follows. I had XXXX XXXX set up to pay by electronic check. When I moved to XXXX and opened a new account the payment did not clear as I had the old account closed. This showed as a returned e-check but was immediately paid by the secondary payment option ; my credit card. However ; Certegy stepped in the middle and says I had an unpaid bounced check. Certegy tells the credit agency it was never paid but then tells me they have no record of the transaction. I have the paid receipt and credit card transaction. How is it possible Certegy can claim to the credit agencies that I had a returned check on XXXX XXXX, XXXX when I have a paid credit card receipt for the transaction on XXXX XXXX XXXX, they tell me they have no record of it, AND ; I still have the XXXX account, have run thousands of dollars through it and sold the URL that was paid for in that transaction to another party 18 months ago. I have pulled up my XXXX account going back to XXXX and there is no returned payment for {$81.00}. However ; there is an {$81.00} paid transaction on a credit card on the same date. I have attached the receipt and the account history. I have been trying to get this off of my report for over two years. All Certegy and the XXXX XXXX do is send electronic messages instead of doing actual research like they forced me to do. I should not have to be the one to prove my innocence in this case. If they are going to put something on my credit report they should have to prove their claims.

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 11-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CAPITAL ONE FINANCIAL CORPORATION (GA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I purchased a XXXX XXXX XXXX in XXXX XXXX for a sale amount of {$13000.00}. As a young purchaser I was stuck with an extremely unfair interest rate when I have now paid a total of {$21000.00} for this car. During the period of XXXX XXXX to XXXX XXXX I occurred late payments and even a repression of this vehicle. In an exchange of paying {$1500.00} to get the car back. The rep agree to get repossession and late payments deleted, as well as mlve repossession fee to the back of my loan repayment. The rep fee was delayed but late payments and repo still reflect on my credit report. And it is not reporting correctly. During the time I received the late payments, I never received a bill to my address. Please contact Capital One Auto Finance and assist with getting what they have been report unfairly, fair. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 08-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with ALLY FINANCIAL INC. (TN).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: In XX/XX/XXXX, I was approved for a vehicle ( XXXX XXXX XXXX ) at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX ) through XXXX XXXX. The monthly payment was around {$640.00}. I provided the necessary documentation-2 current pay stubs, proof of residency ( lease and utility bill ), employment history ( 17 as a XXXX ), etc. I was there with my XXXX daughter and of course was complimented many times about her. I was told that my 1st payment would be around XX/XX/XXXX. In XX/XX/XXXX, I received a welcoming call from XXXX, that provided me with information about my upcoming payment. A few minutes after the call ended, XXXX called back to ask me if I was on XXXX leave ( I found this to be very odd that they knew that I had recently XXXX XXXX ). I said " yes '', and then we hung up. I never received the information about how to make a payment. A week later ( now a month of driving the vehicle has passed ) XXXX ( a lady named XXXX ) called to inform me that the loan was denied because I was on XXXX leave-despite the employment history and my current pay stubs. I wanted to know how XXXX knew that I was on leave. She was n't sure, but that I should n't worry and that XXXX would handle it. They " handled '' it by making hard credit inquiries without my permission- XXXX ( twice ), XXXX XXXX, XXXX XXXX, and Ally. In XX/XX/XXXX, I sent a certified letter with a signature receipt asking them to remove the unauthorized inquiries within 30 days. Their response was for me to return the vehicle. The signature on the receipt was on XX/XX/XXXX and the 5 inquiries are still on my credit report, my score has lowered, and I am still without a vehicle. I need your assistance in this mattter.

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