milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04/17/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Dear Sir/Madam, I recently received a copy of my Experian and XXXX credit reports and I notice there is an unauthorized and unrecognized credit inquiry made by Experian and XXXX creditors. As far as i knew I do not recall authorizing this credit inquiry and I understand they shouldn't be allowed to put an inquiry on my file unless I have authorized it.

If they find I was not the one who authorized this inquiry, I ask that it be removed immediately from my credit file. Please be so kind as to forward me documentation that you have had the unauthorized inquiry removed.

If they find that I am in error, then send me proof of this. I think i got victom of their inquiries issues.

Here 's the list of the inquires : 1- ( experian report ) XXXX XXXX XXXX Inquired on XX/XX/XXXX 2- ( experian report ) XXXX XXXX XXXX  Inquired onXX/XX/XXXX 3- ( experian report ) XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX4- ( experian report ) XXXX Inquired on XX/XX/XXXX 5- ( XXXX report ) XXXX XXXX Inquired on XX/XX/XXXX 6- ( XXXX report ) XXXX XXXX XXXX Inquired on XX/XX/XXXX 7- ( XXXX report ) XXXX XXXX XXXX Inquired on XX/XX/XXXX 8- ( XXXX   report ) XXXX XXXX Inquired onXX/XX/XXXX 9- ( XXXX report ) XXXX XXXX Inquired on XX/XX/XXXX 10- ( XXXX  report ) XXXX XXXX Inquired on XX/XX/XXXX 11- ( XXXX   report ) XXXX Inquired on 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 09-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: There are several discrepancies that are showing on my credit report that and five by student loan 's. Each credit report is showing a different amount I need all of them to reflect the lowest amount and I 'm also requesting not Verification but validation.

Company response to consumer: Closed with explanation
Consumer complaint received 11-03-2017 about Debt collection (Auto debt) with Professional Bureau of Collections of Maryland, Inc. (FL).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: I Received A Letter From XXXX XXXX XXXX, Dated XX/XX/XXXX ... Stating My Account Has Been Assigned To Professional Bueau Of Collections Of Maryland, Inc ... .Stating I Had 30 Days In Order To Dispute This Debt Or It Would Be Deemed Valid ... .After Checking My Credit Report ... .On XX/XX/XXXX, They Had Added This Account To My Credit Report. I Have Never Had An Account With These Collection Agencies ... ..XXXX XXXX XXXX Or Professional Bureau Of Collections Of Maryland , Inc ... .The Account They Are Noting Was Lasted Reported In XX/XX/XXXX And They Never Gave Any Information As To Them Being The Rightful Owners Of This Debt Or Entering Into A Signed Contract With Me In The Payment Of Said Debit.

Company response to consumer: Closed with explanation
Consumer complaint received 10-04-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BARCLAYS BANK DELAWARE (MD).
Issue: Closing your account
Sub-issue: Can't close your account

Complaint: On XXXX XXXX, XXXX I submitted correspondence to Barclays Bank Delaware because of suspected fraudulent activity by the bank. They have refused to address my concerns by remaining silent and have continued to seek payment and report missed payments on my credit reports hurting my scores. Attached you will find the letter I submitted to Barclays Bank Delaware on XXXX XXXX, XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/13/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with WELLS FARGO & COMPANY (CA).
Issue: Problem with a purchase shown on your statement
Sub-issue: Overcharged for something you did purchase with the card

Complaint: XX/XX/XXXX I checked out of XXXX XXXX early, i had paid for my entire stay but had not yet paid for the resort and parking fees. I paid {$51.00} for one day 's worth of fees. The front desk agent told me that her manager had agreed to waive the remaining fees as I would no longer be on the premises. I received a receipt for this amount from XXXX.

XX/XX/XXXX {$150.00} posted to my account. This is a charge for the additional resort and parking fees XX/XX/XXXX I called XXXX. The person I talked to told me they couldn't help me and I had to call their accounting department when they were open Soon after I disputed the charge with Wells Fargo as I became frustrated trying to contact XXXX. It is very hard to get them on the phone.

XX/XX/XXXX After back and forth with myself and XXXX, Wells Fargo decided that they would not continue with my dispute as XXXX  says the charges are valid.

I emphasized to Wells Fargo that I should not be paying these charges as the receipt I received was for {$51.00}. I checked out of the hotel and am no longer liable for accrued charges.

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 01/26/2018 about Debt collection (Auto debt) with R.A.Rogers, Inc. (NY).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: The account was opened in XX/XX/XXXX. The company has continue to call me and also send threathening letters to me in regards to this debt. I explained to them numerous time that this account was paid off by the gap insurance that I purchased. The car was a total lost after Hurrican Sandy and it was paid off by the car insurance and also the remainder was paid by the gap insurance.

Company response to consumer: Closed with explanation
Consumer complaint received 06/18/2016 about Consumer Loan (Vehicle loan) with CREDIT ACCEPTANCE CORPORATION (MI).
Issue: Managing the loan or lease

Complaint: I purchased a car in 2000 and it got repossed by Credit Acceptance Corporation XXXX MI.This company waited 16 years later to take me to court and got a default judgement against me.I was unaware of any court date because the company sent all my stuff to the adress from 16 years ago.iI got a call from my bank saying my account was frozen so I called the number and it was Credit Acceptance lawyers telling me I owed XXXX on a XXXX dollar car the rest of the money she said was interest and late fees and it was still incurring.I did a little research and found that car loans in the state of Michigan have a statue of limitations which is 6years.I am low income.I ideel like I 've been a victim of this company illegal actions.Im also unaware of the fact of they repossed the car and probably sold it at auction.Then I suppose to only be responsible for the balanc.This company lawyers are telling me theirs nothing I can do but pay 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 01/22/2016 about Bank account or service (Other bank product/service) with First Data Corporation (FL).
Issue: Making/receiving payments, sending money

Complaint: I received several errors and miss matched info and as well devices not working properly or sent to the wrong addresses, thru the company of first data. As I had to dispute and spend time and money on these mistakes made by the company as well as a return label, thru first data of XXXX XXXX XXXX Nd XXXX bank.

Company response to consumer: Closed with explanation
Consumer complaint received 08-02-2016 about Credit card () with JPMORGAN CHASE & CO. (FL).
Issue: Rewards

Complaint: Prior to signing up for the Marriott Chase Premium credit card, I spoke with a customer service representative to discuss the terms and conditions of the credit card. I was told on the call that the {$85.00} annual fee would be waived the first year. Upon reviewing my statement, I was charged {$85.00} for the annual fee on XX/XX/2016. This is approximately 1 month after receiving the card. I call customer service again and spoke with a supervisor who told me that i was given the incorrect information and that the annual fee is required and not waived. I told them that i was misled and they said there is nothing that they can do about it.

Company response to consumer: Closed with explanation
Consumer complaint received 11-10-2016 about Debt collection (I do not know) with Midwest Recovery Systems (NC).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: Just recently i received an alert that a collection was placed on all XXXX of my credit reports, the collector showed as Midwest Recovery Systems with listing of an orginal creditor of XXXX XXXX i have never done business or had an acct with this company i was somewhat surprised.As far as the collector Midwest Recovery Systems i had dealt with this company once before, where they fraudulently posted another collection to my credit report and later after filing a complaint they removed the fraudulent collection.To me apears this company does this fraudulent activity on a regular basis to many consumers time and time again. Today they commited to serious violations.Violation # XXXX they send no letter/bill or any correspondance before putting a collection on the consumers credit report, not allowing consumer the opportunity to ask that debt be validated. Violation # XXXX The state of NC requires any collector trying to collect a debt from consumers living in the state to be licensed in the state, Midwest Recovery Systems is not licensed to do business in the state of XXXX.That could be another reason they dont send consumers documentation/letter or bill for these fraudulent debts, since that would provide a paper trail for the consumer to provide proof of their violation to the north carolina attorney general as proof aof an unlicensed debt collector who is in voilation of the statue which carries a considerable fine.But i will still contact the North Carolina Attorney General and as what documentation they need to prove that Midwest Recovery Systems had indeed contact me about a debt and is doing business in the state.So XXXX the violated the F.C.R.A and XXXX Violated XXXX law.So i expect this ftaudulent collections be removed from my credit reports within the next XXXX days, if not i will discuss this locally on my options to pursue this via the legal system and report to the state agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 08-07-2015 about Debt collection (I do not know) with ARC Management Group, LLC (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: In XXXX, 2015 I entered a written dispute with ARC MANAGEMENT GROUP reference account number XXXX as contained on my consumer credit profile at XXXX, XXXX and XXXX XXXX. Specifically alleged, ARC MANAGEMENT GROUP was attempting to collect a debt for which I had no knowledge and alleged was potentially opened by an unknown third party. Moreover, said account was appearing XXXX on my consumer credit profile notwithstanding the allegation of a single debt owed. 

ARC MANAGEMENT GROUP failed to investigate, verify, or validate said debt. Although I also filed a cease and desist demand with ARC MANAGEMENT GROUP an absolute requirement of the Fair Credit Reporting Act is to report said debt as disputed pending resolution of an investigation. ARC MANAGEMENT GROUP failed to report said debt as disputed and failed to conduct an investigation into my allegations of potential fraud. As such, my credit worthiness has been negatively impacted by the erroneous reporting of this account. 

A review of records compiled by the state XXXX XXXX XXXX XXXX in Florida indicates that ARC MANAGEMENT GROUP is not currently licensed to conduct business pursuant to section XXXX, Florida statute. As such, the imposition of this debt and the erroneous reporting to XXXX, XXXX and XXXX XXXX is an unfair and deceptive trade practice. 

Several phone calls to ARC MANAGEMENT GROUP have met upon deaf ears. When I called to inquire on the status of the disputed account, I was advised that Florida licensing was not required. I was further advised that the debt remained due notwithstanding a lack of validation and claim of potential fraud. At this point the call was terminated. My written dispute remains outstanding. Said account remains on my XXXX, XXXX and XXXX XXXX notwithstanding the existence of a dispute, lack of validation, and my allegations of potential fraud. 


A full and complete deletion of offending ARC MANAGEMENT GROUP collection account from my credit report at the XXXX, XXXX and XXXX XXXX consumer reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 05/17/2015 about Credit card () with SYNCHRONY FINANCIAL (SC).
Issue: Credit determination

Complaint: I opened an account with XXXX and applied for there XXXX CARD which is essentially with Syncrony Bank ( GE Capital ). A few months ago I purchased a cell phone from XXXX and had nothing but issues with it, Returned it under XXXX 's no questions asked policy. Due to poor communication the return became a dispute, immediately afterwards within a day I notice my available credit is reduced by syncrony, and found others have similar experiences of having there credit reduced or accounts closed for simply excercising XXXX 's return policy. I had always paid on time, and often paid 30 % or more of the balance. Never paid late. Yet the action taken by syncrony has damaged my credit rating and all I did was pay on time. I have paid off my balance and want them to reverse the previous limit reduction, and then close my account so that my credit score is restored to what it should be.

Company response to consumer: Closed with explanation
Consumer complaint received 03/24/2017 about Mortgage (Conventional fixed mortgage) with CITIBANK, N.A. (IL).
Issue: Application, originator, mortgage broker

Complaint: We called Citimortgage, our current lender, to find out about refinancing our home. We asked about the rates as well as questioned whether we had enough equity in our home to get the amount of money we needed. We gave our information to XXXX XXXX, a loan originator, who then looked up our property. He said that our value was {$350000.00} based on a XXXX estimate. We questioned the value and verbalized that the XXXX estimate was far too high ( on more than one occasion ) and XXXX XXXX reassured us that XXXX was " pretty spot on '' with its estimates. We went forward with the loan application and paid the fees for the processing and appraisal. After submitting endless paperwork and hounding the personal processor, XXXX XXXX to keep us up to date with any additional information she may need, the appraisal came back, and it was {$95000.00} less than XXXX estimate. XXXX XXXX then came back with a much smaller loan amount and higher percentage rate assuming we would continue. Needless to say, we felt like this was negligible on Citi 's part. XXXX XXXX prepares home loans as a profession, and we believed in his faith of XXXX estimate. We would have NEVER gone through the process or paid the money to CitiMortgage had we known the real value of our home ; it would have been obvious that the value of our home did not support enough to refinance. I called XXXX manager, XXXX XXXX ( NMLS ID : XXXX ) and stated that I believed it was negligent on Citi 's part to use an estimate that is so inaccurate and requested our money back. After XXXX XXXX listened to the audio from our calls with XXXX XXXX he agreed ( while not admitting fault on Citi 's behalf ) to refund our money. Since then, I have emailed XXXX XXXX weekly for well over one month and received various statuses regarding the refund I was promised. Ie. " Team overlooked decline note '', " reprocessed ''. I feel as though CitiMortgage/XXXX XXXX should keep their word and refund the money. The last correspondence I had with him was Wednesday, XXXX XXXX, 2017, where XXXX XXXX said he " resubmitted the refund on XXXX/XXXX/2017 and it should be credited to the card in a few days ''. My husband called the following Monday XXXX/XXXX/2017 and XXXX XXXX said the same thing. It is now Friday, XXXX XXXX, 2017, and well over 30 days from when we were originally promised our money back by 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 monetary relief
Consumer complaint received 10/16/2017 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 information incorrect

Complaint: I opened an unsecured personal line of credit On XXXX XXXX, XXXX. The line was used off an on and when the brunt of the financial crisis hit I had to utilize it to get by. Needless to say the balance was maxed out at {$16000.00} and I did not have the means to repay, which I have completely owned. 

The last activity on this account was a payment made on XXXX XXXX, XXXX and the account shows as closed since XXXX XXXX, XXXX. Furthermore, on XXXX XXXX, XXXX Wells Fargo officially canceled the debt and issued a 1099 ( c ) for the account for which I had to recognize it as income and pay through the IRS that year. 

The issue at hand is that WF Bank, on a monthly basis, continues to report this account as a new charge off with a " Balance '', " Past Due Amount '', and " High Balance '' of {$17000.00}. It is required the lenders provide accurate, up to date, and correct information to the credit bureaus. WF Bank is clearly reporting inaccurate information where they should be reporting aany balance on this LOC as {$0.00} and the reporting of a " Charge Off '' should only be reflecting as a charge off since XXXX XXXX and not a newly charged off account each month. 

I he contacted WF Banks " Consumer Credit Solutions Credit Bureau Dispute Resolution '' department on multiple occasions to have this rectified with zero response. I further contacted the Senior Executive VP of consumer lending for WF to illicit some response to my request by which I received none. This seems to XXXX my last hope that this incorrect information can be rectified.

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 03-09-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions 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: while checking my recent credit report. I noticed credit inquiries that I did not authorizes made by the following companies. XXXX XXXX XXXX office locator at XXXX XXXX XXXX XXXX IL XXXX. I  contact XXXX XXXX and they state that they do not pull credit. I had notify Experian about this transaction they fell to removal it from the credit file. it was als o on my XXXX report but went I notify then they removal with no question and send me a Letter of removal. this a violation of the fair credit reporting act section 1681b ( c ) and a serious beach of my privacy.

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 10/24/2017 about Debt collection (Payday loan debt) with CNG FINANCIAL CORPORATION (OH).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: On XX/XX/XXXX I entered the Check N Go on XXXX XXXX and handed the Represetative a notarized letter. I informed her that I also sent a copy to XXXX XXXX she took the letter thanked me. I was laid off from my job and I informed XXXX XXXX that I wanted to revoke authorization to my checking account because I could no longer make the payments. I had no problems in XX/XX/XXXX, XX/XX/XXXX or XX/XX/XXXX but XX/XX/XXXX Check N Go attempted to debit {$140.00} from my checking account. On the check it states Authorized by your Customer No original signature required. I signed a contract at the time I received the loan authorizing Check N Go/XXXX XXXX to pull funds from my account but I have since revoked that authorization. This caused me to receive two returned check fees from my bank of {$36.00} each and a {$10.00} returned check fee from a company that I made a payment to that was returned as a result of this unauthorized check. I spoke with a women in the collections department and she refused to give me any information. I asked her for a number or address to file a complaint she stated that the only way to contact Check N Go is through email. She gave me the incorrect email address.

Company response to consumer: Closed with monetary relief
Consumer complaint received 09-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax mishandled my private information, which puts me and millions of other people at risk. I am listed as a potential victim according to their XXXX website. The breach happened in XXXX and Equifax did not notify anyone quickly enough. In addition, they admit that they will not notify everyone which is morally wrong to all affected persons.

Company response to consumer: Closed with explanation
Consumer complaint received 06/23/2017 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: XXXX XXXX as an account under my name and i do n't know about that account, it is not mine, it is affecting my credit score. I 'm a victim of fraud. On my credit report appears more account that i did n't know about and another phone number that is associated with my social security that is not mine. My phone number is 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 non-monetary relief
Consumer complaint received 11/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions 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 have been disputing with credit reporting agencies of XXXX XXXX XXXX account for the amounts of XXXX and XXXX. I 've been a victim of fraud for about 10 years and every year, I am fighting battle of accounts that not mine. XXXX and the credit reporting agencies refusing to show me my signed signature opening an account or proof of my identity opening this 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