milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06/24/2015 about Credit reporting () with Experian Information Solutions Inc. (NY).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: SUBMITTED PROOF THAT THE XXXX XXXX ACCOUNT APPEARING ON MY CREDIT REPORT IS NOT MINE AND MUST BE REMOVED.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/20/2015 about Consumer Loan (Vehicle loan) with GENERAL MOTORS FINANCIAL COMPANY, INC. (IL).
Issue: Managing the loan or lease

Complaint: In XXXX 2014 I entered into a settlement agreement with GM Financial. The terms included making XXXX of the past due balance and the account will be settled. Terms also included removing past negative marks and tradelines on my credit report. GM Financial has completely removed the prior payment history on XXXX however they have not honored the agreement to remove the tradeline from XXXX, XXXX and XXXX. It 's been a year and I would like the credit reports updated immediately per the settlement. last XXXX SS : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 10/27/2016 about Credit reporting () with Experian Information Solutions Inc. (MA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: To whom it may concern ; A few weeks ago, I noticed multiple issues reporting on my Experian credit report ( monitoring ) that were both fraudulent and inaccurate and contacted Experian 's Fraud department to dispute these items. Here is a breakdown of these items on my credit file : INQUIRIES XXXX - XXXX/XXXX/2016 ( FRAUD ) XXXX - XXXX/XXXX/2016 ( FRAUD ) XXXX - XXXX/XXXX/2016 ( FRAUD ) I do not understand why this company XXXX ' continues to have my credit pulled. I have called them multiple times concerning the first time they did this XXXX. They stated that someone had applied for an apartment lease. The same was told to me yet again when this occurred now for the second time just one week ago. I am currently in corporate housing through my employer and will continue to be until XXXX XXXX, 2016 when my contract runs out. Henceforth, I am certainly not looking to rent apartments on both Coasts in XXXX and California. One of these inquiries was for an apartment in the XXXX area and the other was for an apartment in the California area. I want for these to be disputed as fraud please. As for the XXXX XXXX inquiry, this too just apparently happened. I am unaware of why this was pulled. After speaking with XXXX, they told me that my credit was pulled concerning an attempt to open an account. I explained to them that this was not done by me and to please remove it. I was told that they do not remove any inquiries for any reasons whatsoever. 

ACCOUNTS : XXXX XXXX XXXX XXXX CREDIT CARD Acct : XXXX Opened : XXXX, 2016 Limit : {$5000.00} Balance : {$4900.00} While I am not disputing this account as fraud per say, I am disputing that this card was in fact used to make unauthorized transactions on several websites including ; XXXX and XXXX just to name a couple. I have spoken with the bank on multiple occasions and have even contacted Experian. At this juncture, the balance being reported is inaccurate because of these charges. So, in summary the account itself is mine but I have had multiple unauthorized charges on both this account and a couple of others that I had with XXXX and was forced to close those down to protect myself. 

I certainly appreciate all of your help up to this point. You will see that upon further research, I have been a victim of identity theft and have dealt with these issues all year at this point. However, I am at least making some headway in trying to clean up what has happened. Please feel free to call me anytime at XXXX if you need further information from me in order to help expedite this process. 

Regards, 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 07/31/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: My XXXX XXXX account has been paid and closed for a year now and I see a 30 day late just came up on this account. Not sure how this happened when it 's been closed and was not there before

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NC).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I recently received a copy of my XXXX credit report and I notice there is an unauthorized credit inquiry made by XXXX XXXX. I do not recall authorizing this credit inquiry and I understand you should n't be allowed to put an inquiry on my file unless I have authorized it. I am requesting you initiate an investigation into XXXX XXXX inquiry to determine who requested this credit inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 03/28/2016 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: Wanted to check if I established some sort of credit in the past, curious to see what I might have. Experian Questioned if I tried to get a mortgage loan last year or applied for a retail card? The amount I applied for on the mortgage, I did none of those things whatsoever, at all, or even tried to apply for a credit card.

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 02/16/2016 about Consumer Loan (Vehicle loan) with DriveTime (GA).
Issue: Problems when you are unable to pay

Complaint: Me and my wife percussed a car back in XXXX 2013 and thought we were getting a great deal. Come to find out we got screwed on this deal. They told me that they report to credit and they do n't. After about 1 year and 1/2 we went and percussed another vehicle and all the payments I was making to drive time was not showing up. They went even on my credit report. Also, the entrust rate is killing us, it was like over double what I was paying on my other vehicle. If I could have had afford it we would wound up paying over XXXX on a car that was only worth about XXXX. I do n't know how they can get away with that but they are taken advantage of people that have been in hard times. I have looked into this company and come to find out there have been lawsuit after lawsuit against them and most of the lawsuits are for harassment. 
I had to turn in the car because I could not afford it anymore and now I am getting harassing phone calls at my job and my family is getting them also. I would like this to stop and I would like them to leave me and my family alone. They got there car back and the have already sold the car. I can wind up losing my job if they keep calling had harassing me at work. I have a family to support, and I ca n't afford to lose my job because of them. 
I would like someone to stop this and put this company out of business. they have no right to treat good people like this. I have been keeping my cool about it but this is the last straw. I am going to keep looking into this company and find out what legal action I have against them.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/27/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (IN).
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint: Filled for Bankruptcy XXXX/2016 All student loans removed under XXXX XXXX  and switched to navient.
Being charged up to XXXX in interest per 9 loans.
Denied for repayment plans.
XXXX XXXX and XXXX College obtained loans under false pretenses.
I have contacted navient/XXXX XXXX/ XXXX XXXX/ and XXXX College without success.

Company response to consumer: Closed with explanation
Consumer complaint received 06/19/2017 about Mortgage (Conventional home mortgage) with WELLS FARGO & COMPANY (NY).
Issue: Struggling to pay mortgage

Complaint: XXXX   XXXX  Loan #  XXXX  I want to place a complaint against  Wells Fargo  in regards to a loan modification for my subject property located at  XXXX   XXXX   XXXX ,  XXXX , NY  XXXX  with a loan #  XXXX . The reason for the complaint is due to in-compliance and mis interpretation of my loan modification review. They claim that the investor of my mortgage loan is private, and they do not participate under the HAMP program. If they do not participate under the HAMP program, why was my file being review for a possible HAMP, when they know they do not participate in HAMP and they do not follow the guidelines. I should be reviewed for a  Flex Loan Modification in which I know I qualify for, and I have evidence from a Loan Disposition Analy sis in which I will attach. I was told I needed to reapply for a loan modification and I did as I placed a Loan Mod Package in  XXXX  and  XXXX  of this year, and 2 times last year. Upon receiving the  Loan Mod Package, they advise I needed it to speak to a " re entry team '' to see if I can  be review for a loan mod in which they just informed me to fax a new package, once again, mis interpretation from the servicer. The re entry team after an initial interview, advise me that I can be reviewed for a loan modification. After completing another review in  XXXX , they advise me that I need a lot more income that was presented to reactivate the file, in which after the initial interview, they advise me I can be review for a possible loan mod. I do not understand what is going on with  Wells Fargo,  I really want to keep my property but they keep  mis  interpreting my loan, not only causing me to fall behind even more, not allowing me to get a loan mod, in which I 'm ready to start paying back my loan. I executed a Loan Disposition Analysis and after a REST Analytical Report, with the use of an NPV Result, I qualify for a Flex Mod, and I 'm able to save my house, my investment that I had worked so hard to keep. Please help me come up with a solution with this bank and save my house. I really need your help

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 03/26/2017 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (AL).
Issue: Account opening, closing, or management

Complaint: Wells Fargo closed my checking account. They did not give me a reason why. At this point, I am only interested in when they will be returning my {$500.00}. They have had the money frozen for over two weeks and the account is now closed with a XXXX balance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/19/2015 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: I attempted to get my free annual credit report online. I was told it was not possibleto do it online and I needed to submit a huge host of documentation via standard mail. 
When I actually paid for a report. The same bureau had no problem deliveringthe same credit report without the same lengthy requirements. This seems like adouble standard and an attempt at driving sales to their site to make you pay foryour report. I had no problem with the other bureaus. Report # XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/21/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (OH).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I am submitting a complaint regarding my student loans with Navient. My student loans were switched from XXXX XXXX to Navient several years ago. My student loans stem all the way back to 2005 when I began my educational training for XXXX XXXX through XXXX XXXX XXXX in XXXX XXXX OH. My education was put on hold do to financial difficulties and within no time, I was being billed for the classes I had completed. XXXX XXXX made it very difficult to work out a convenient payment plan. I fell behind and my credit began to drop. Without notification, my loans were switched to Navient. Again, Navient made no attempt to work with me on setting up a reasonable payment plan. Instead, I was under the impression forbearance would be the best option. During this time, I began trying to register for classes at XXXX XXXX to complete the program and receive my degree. XXXX XXXX XXXX has since closed all it locations and I am now stuck with student loans for a degree I do n't have. 
I do not know who to talk to regarding this issue. 
I been unsure of who to contact regarding my complaint. I am paying a high amount for a degree I have not received. I am struggling to pay for student loans that have built interest while in forbearance and now the XXXX is no longer in service.

Company response to consumer: Closed with explanation
Consumer complaint received 04/26/2015 about Debt collection (Credit card) with NORTHLAND GROUP INC (FL).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I had an old dept. and a collection company bought the dept., I challenged them with a letter in accordance to fair credit Act which they had 30 days to respond under federal law and they had to remove it from my credit reports. They have not removed it and they have not responded. I tried contacting them but they are very rude and no resolve.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/13/2016 about Debt collection (I do not know) with CAVALRY INVESTMENTS, LLC (CA).
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint: Calvary SPV 1, LLC has taken an action they are not legally entitled to take violating Title 15 U.S.C. 1692 ( e ) ( 2 ) ( a ), ( 5 ), ( 8 ), ( 9 ), ( 10 ), ( 12 ), ( 13, ( 14 ). They Are Suing Me on a Debt they Allegedly Purchased. 
They are unjustly enriching themselves by Lying and saying they Represent the Creditor after admitting to the Court they Bought the Debt alleged. 
They Have Failed to provide original Documents for inspection and copying as requested.

Company response to consumer: Closed with explanation
Consumer complaint received 02/28/2017 about Credit card () with AMERICAN EXPRESS COMPANY (CA).
Issue: Rewards

Complaint: I applied the XXXX XXXX platinum credit card on XX/XX/XXXX and the the policy described that I could earn XXXX Membership Rewards points after making {$3000.00} in purchase in my first 3 months. I had met the requirements ( spending at least {$4000.00} except the annual fee ) and obtained the XXXX Membership Rewards points one month ago, however, XXXX XXXX removed my XXXX Membership Rewards points on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 05-11-2017 about Debt collection (Medical debt) with Commonwealth Financial Systems, Inc. (TX).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: On  XXXX   XXXX ,  XXXX ,  XXXX  Validation of Debt letters were s ent to Commonwealth Finance ( Amounts : {$1600.00}, {$150.00}, {$150.00} ) for a med ical bill that I did not recognize from the  XXXX ,  XXXX  and  XXXX  of  XXXX . I requested validation after speaking to them on  XXXX   XXXX  at  XXXX   XXXX  for  10 minutes, 15  seconds. During this call I requested validation of this debt due to not knowing anything about this debt. I simply requested a bill, itemized list or an invoice so I could verify if this debt belonged to me. I was told over the phone that they did not have any of that information, only a file from   XXXX   XXXX   XXXX  . This entire call was recorded by them and myself and notification was given that the call was being recorded by both parties. I asked for that file and they refused to acknowledge that it will be sent. They placed my account in dispute status and re-reported the  XXXX  debts to the credit bureaus. I also filed a dispute with I sent a " Failure To Validate '' letter on  XXXX   XXXX ,  XXXX  due to  Commonwealth Financial failure to send me pre viously requested validations of these debts. Another Validation of Debt letter was sent on  XXXX   XXXX ,  XXXX  regarding the other  XXXX  amounts. During this entire time,  Commonwealth Financial ha s still refused to send me any validation of these debts and according to  XXXX  is still claiming that these debts are mine.

Company response to consumer: Closed with explanation
Consumer complaint received 08-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MO).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: On X/XX/2017, I sent a letter to Equifax, XXXX, XXXX to please update my credit report to reflect the following and delete the old information as requested : My full legal name is XXXX XXXX XXXX. Please delete any other derivatives of my name. My current address is XXXX XXXX XXXX XXXX XXXX, Missouri. Please delete the old addresses and update the address with the ones above. I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. My current employer is XXXX XXXX. Any other employment names are to be deleted. By the provisions of the Fair Credit Reporting Act, please have these items be removed from my report. Please send an updated copy of my credit report to the below address. According to the act, there shall be no charge for the updated report.

Company response to consumer: Closed with explanation
Consumer complaint received 01-04-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (VA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Received alert stating a derogatory account was placed on my XXXX file on XXXX XXXX 2016. The debt was to XXXX XXXX XXXX in which I do not, nor have I ever, had an account with. All my internet and cable services are provided by XXXX XXXX or XXXX. At no was any information received via email, mail or otherwise showing that this is an account I own. I tried calling the ERC but there was no answer and after waiting over 10 minutes to speak to an agent the call was terminated due to non-response.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 07/17/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (TX).
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint: Citicards took  my Citi Div idend dollars ( reward ) of  XXXX  USD ( this amount was told b y Citi Customer Support name d  XXXX   )  as o f  XX/XX/XXXX  awa y without any reminder or further notice. I think this is impropriet. I was never reminded or noticed for the disappearance of my citi reward dividend dollars. The customer support personal 's name is  XXXX , from Florida office ( team id :  XXXX  ). She told me that I should have learned it from the statement but they never sent me any statement. The rule was never clearly written to me. And I have checked the dividend reward dollar in early  XX/XX/XXXX  and it was there. They claimed that it was expired in   XX/XX/XXXX .  So it is definitely controversial of what they did and what they told me. I do n't trust  Citi  and I want my dividend reward back. Please help me. Thanks,

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 05/21/2015 about Credit reporting () with Experian Information Solutions Inc. (MS).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I tried to see my free credit report and I could not see it because you asked me questions about my wifes credit reports and theres no way I can answer her questions because we have not been married long and it stuff from her first marriage and she wont give me the answers, Why are you asking me questions about her on my report and not asking me questions about me?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/17/2015 about Credit reporting () with Experian Information Solutions Inc. (OR).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: Every time I find incorrect information on my credit report whether it is personal or otherwise I dispute it. Now keep in mind I am disputing information a company has given to the credit reporting company without having to prove any of it. In fact upon speaking to someone at the credit reporting company I found out this information from the reporting company is given verbally aka over the phone or via email. The company giving this information only has to provide enough information about me ( which they can obtain most of from the credit reporting company itself ) for the credit report company to it on my credit report ; no documentation is required. When I dispute say a incorrect account the credit report company has to verify it with the company who reported it ; this includes even when I provide documentation from the company who reported it in the first place. If a company verbally gives the credit reporting company updated personal information about me such as address, etc. and I dispute the information as it is incorrect, I have to mail in documentation PROVING that it is incorrect. The documentation I have to send in is very specific such as a state issued ID, utility bill, etc. I have had to correct my address with the credit reporting companies many times over the years.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11/27/2016 about Bank account or service (Checking account) with BANK OF HAWAII CORPORATION (HI).
Issue: Deposits and withdrawals

Complaint: {$800.00} was stolen from my fiance 's checking account on XX/XX/XXXX. He was previously removed his administrative assistant as an authorized user. At that time he went to the bank to get her removed, the bank failed to mentioned that even though " removed '' she still had access to the account. Again, when I was added to the account last week Tuesday, the bank had me and my fiance sign authorized users document that did not have her as an authorized user to his account.

Company response to consumer: Closed with monetary relief