milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with LOBEL FINANCIAL CORPORATION (CA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Helped a friend to purchase a car in 2012. I got financed through Lobel financial. Few months later due to friend being laid off, car was repossessed. Car ended up being sold at an auction, & balance that remained on loan was after them selling car was about {$5400.00}. My wages have been garnished since 2012. Every two weeks. I set up arrangements in 2012. 5 years I have been having $ come out of checks which is about {$3000.00} so far. When I noticed on my credit report that balance keeps going up and reflects no payments ever made, I called XXXX Sheriffs office, ( where Lobel said is responsible for garnishment ) when I called, I was told since my payments are set up as low monthly payments, that all my payments have been going to interest and fees to sheriffs office for their collection fee & my balance has gone up as it reflects no payments. So all these years & {$3000.00} has done nothing to amount owed. This is ridiculous!! & seems very illegal. I was never told their was a sheriff fee or interest on account when setting up monthly payments in 2012. I want amount due to reflect my payments that have been made for last 5 years on my credit report, & it to be reported monthly payments are being made.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12/30/2015 about Credit reporting () with Experian Information Solutions Inc. (AZ).
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint: Have been trying since XXXX, 2015. To get the collections items removed. 

I have asked Experian to earnestly update and remove the collection items off the credit Report. According to the provisions of the Fair Credit Reporting Act ( XXXX ( a ) { XXXX XXXX ( a ) That these items must be seriously reinvestigated and or deleted from my credit report within 30 days. as the mere reporting of items. Contacted XXXX, With complaints as well. Your records will show that I have contacted your Government Entity to assist. Trying to get my mortgage and appraisal licensing completed. 
Your assistance in this mater will be greatly appreciated. 

XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CAPITAL ONE FINANCIAL CORPORATION (CT).
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: Capital one was contacted on several occasions regarding bills not being received and failure to update address and fix credit reporting. I applied over the phone for a payment plan on both accounts and was told I might qualify for one and  I should receive something in the mail for a XXXX a month payment that I had asked for. I never received anything in the mail and was told by a manager that hr would update both credit reports back 60 days and even sent letters and this has not been done by the creditor. The creditor never updated my address properly after three requests causing my accounts to be reported negatively. I was told by the manager to make a XXXX payment and that my next bill should reflect the new amount if the program was approved. I never received a bill with XXXX a month. I have attached two of the bills that the creditor has sent me in a recent response, so the creditor is aware of the fact that they failed to send proper bills. No, I do not want my terms of the payment plan agreement outlined in my bill in which XXXX XXXX sarcastically stated. I am a XXXX XXXX XXXX XXXX and I rely on promo and correct billing. Sometimes a third party pays bills and this is required. The law requires accurate billing to be sent to the consumer 21 days prior to the due date capital one has failed to do this on both of my accounts. I have started a legal process against capital one. If this is resolved the process will be withdrawn immediately. I have contacted capital one about its fraudulent reporting to the credit bureaus on numerous occasions. Also, the company charged off my account knowing they did not send of the proper billing statements that are required by law. Capital one XXXX XXXX states that it is not the companies process to send out correct billing statements. Please update my reports or I will have no choice but to take you to court and I will definitely win. Capital one did not send out the required bills to receive payments.

Company response to consumer: Closed with explanation
Consumer complaint received 03/31/2017 about Credit reporting () with EQUIFAX, INC. (IL).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: The US Bankruptcy court is reporting a Bankruptcy with my name. The US Bankruptcy Court told me that they do not verify or report this information to the Credit Bureaus. That information was pulled by a Third Party and they reported it to them. Equifax stated that they verified this information with The US Bankruptcy Court, which is a blatant lie, therfore this Bankruptcy on My Equifax Credit Report must be deleted permanently from my Equifax Credit Report.

Company response to consumer: Closed with explanation
Consumer complaint received 04/30/2016 about Student loan (Non-federal student loan) with CITIZENS FINANCIAL GROUP, INC. (NH).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: My lender will not work with me in any way to make income contingent payments. My monthly loan payment costs more my wages for had of the month. This is causing undue burden on my family and making a living impossible.

Company response to consumer: Closed with explanation
Consumer complaint received 01-07-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA).
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint: To whom it may concern, I try to access a free credit report through this website that advertise that I would be able to obtain my credit score without any cost : XXXX I feel that the credit reporting agencies deceive the user in that once you submit your information and then click to see the credit score Im prompted by their system in that I must pay in order to purchase my free report? I feel this is very unfair and is deceiving. 

Furthermore, the site is so complex and unclear that it is not possible to view the simple task of showing the credit score. 

Thank you for your help! 

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 06-09-2015 about Mortgage (Conventional adjustable mortgage (ARM)) with QUICKEN LOANS, INC. (NJ).
Issue: Credit decision / Underwriting

Complaint: Quicken Loans is not reporting my mortgage to the XXXX credit bureaus. On my credit report, it states account is closed. This is affecting my credit rating. I was granted bankruptcy in 2013 for credit card debit. I have never been late on any mortgage payment. My account is current. Quicken Loans has been non compliant to any of my inquiries since the date of filing bankruptcy.

Company response to consumer: Closed with explanation
Consumer complaint received 06/29/2015 about Credit card () with DISCOVER BANK (WA).
Issue: Rewards

Complaint: I opened a discover credit card five years ago. During these five years, I used this card for a lot of things they promise to give cash back to : food, gas, clothing. I have earned XXXX dollars of cashback and have never redeemed them. I have been paying my bills every month on time. In XXXX 2014, they suddenly closed my card said it 's some kind of business decision. Then I called them to ask for my cash back, that 's XXXX dollars cash back .They first told me that they are going to send the cashback in check to me. I waited and waited but never received it. I called again, they said they are going to send it, then I waited for another two months. But no check came. Then they told me that they decide to forfeit my cashback since my card is closed already. I earned these cash back XXXX dollar by XXXX dollar for about five years and planed to use this money for my travel plan this year. Discover just do n't want to give my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 03-07-2017 about Debt collection (Payday loan) with D. SCOTT CARRUTHERS (CA).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: The alleged law firm that is n't licensed in California called me at work and on my cell phone threatening to sue me. When I told him I would call him back because my debts are with debt management company, he would not give me his information. He would not give me any information other than the amount I owed on the payday loan with 99 % interest ( yes, 99 % interest ).

Company response to consumer: Closed with explanation
Consumer complaint received 07-01-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have student loans that do n't belong to me on my credit report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/14/2015 about Debt collection (Credit card) with GC Services Limited Partnership (MA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: GC Services ( XXXX ) called me, claimed to be representing XXXX XXXX, and offered to help resolve an overdue account. I do not have ( and have never had ) an XXXX XXXX card. After I hung up with them, I requested my credit reports and verified that no one has opened an XXXX XXXX account in my name. So the only other explanation is that GC Services was trying to scam me.

Company response to consumer: Closed with explanation
Consumer complaint received 07-12-2016 about Credit card () with AMERICAN EXPRESS COMPANY (CA).
Issue: Credit card protection / Debt protection

Complaint: i was in XXXX california near XXXX in a hotel ( booked using my american express card ) when someone used my card to make fraudulent purchases in XXXX - 6 hours away at XXXX different XXXX stores in close proximity to each other. american express fraud '' investigation team '' determined that i made the purchases and suspended my account " due to a violation of member agreement section XXXX ''. i tried to resolve this issue with AM, to find out exactly how they came to the conclusion they did, namely how was i in XXXX places at once, but all i was given is rude dead end answers. i was told that there was no one i could speak to besides their " hotline manager - XXXX, who said he could not give me his last name. i was told by one lady that i could contact the customer care center and they may reopen my case but then XXXX said that was untrue, that there was nothing else that could be done for my situation ( all of this said on their " recorded line '' ). the worst of this is that i DID NOT MAKE THESE PURCHASES and its like these people do not care at all.they locked me out of my account, so i could not obtain any information regarding this. i am out a few hundred dollars and my only credit card up to this point.someone stole my information and used it and yet im the one they point the finger at and completely refuse to see the lunacy in their accusation..i am appalled that these people are able to continue doing business in this manner. if i have to go to court to resolve this, i will. if for nothing more than principle.

Company response to consumer: Closed with monetary relief
Consumer complaint received 05-09-2017 about Student loan (Private student loan) with Navient Solutions, LLC. (IL).
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint: To Whom It May Concern : On the fourteenth day of XXXX, XXXX, I entered into a verbal agreement with Navient to provide me with a specialized one month forbearance plan for my private student loan, if I were to enroll in AutoPay. The representative proceeded to read me the guidelines and policies of the agreement over the phone, and asked me to verbally agree to them in order to enroll in this one month forbearance agreement. I agreed over the phone and was informed that for the month of XXXX, I would NOT have to submit a payment to Navient. That by enrolling in the XXXX, it would bump the XXXX payment out, and Id be responsible for resuming payments starting back in the month of XXXX. One week later, I received a correspondence from Navient ( via email ) that the Forbearance was not approved because I am enrolled in their rate reduction program, and that program does not allow any form of forbearance. I immediately was confused and highly frustrated as I was just informed by the representative one week prior that my forbearance was approved and I would not be responsible for a XXXX payment. All that Navient did was apologize for the misunderstanding but they are no longer sticking by the verbal agreement made between myself and Navient on XXXX. Instead, they are requiring me to pay for the month of XXXX. When I called to complain about this in XXXX, I requested to have the audio sent to me of the conversation had between myself and their rep, so that I can prove that we entered an agreement over the phone, they denied me of that audio stating that its their property and they arent allowed to share it. They also never sent the approval letter of the one month forbearance so I have no record of the agreement besides from the phone call. However they sent the denial letter one week letter, what a coincidence. Needless to say, I should not be responsible for the XXXX payment. Regardless of whether it was miscommunicated or not, they had an internal communications error that I now have to be responsible for. On top of this, Ive asked countless times how I can go about getting my co-signer released from my account, and to no avail, they are never able to offer me any options. Instead they say that there arent any options, that the co-signer has to stay on for the life of the loan. I just find that very odd, and very hard to believe. I would like my co-signer released so that Im the only one contacted and responsible for all things dealing with my Navient account, no one else.
Navient has had a poor history of countless accounting errors, miscommunicating policies and providing unrealistic options to its consumers and Ive had enough of letting them get away with it. Please help me get this resolved! XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 12/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with HYUNDAI CAPITAL AMERICA (NC).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I leased a Hyundai in XXXX and made every payment on time. I leased another Hyundai, in the summer of XXXX and turned in the XXXX car. As part of the deal, my last few payments on the XXXX vehicle were to be paid by the Hyundai dealer. Apparently, the payoff funds were applied to the new vehicle, instead of the old vehicle. I have no idea if the Hyundai dealer or the XXXX XXXX XXXX made the error. I began making payments on the new car and, still today, make my monthly payment on time. 

My credit score took a major hit as 3 payments on the old car erroneously appeared as past due. After much legwork, that I was required to do between the dealer and the finance company ( they would n't do any research, saying it was my problem to resolve ) the finance company agreed that the payoff funds had been received when due and they agreed to remove the late payments from my account. Several weeks later, my score returned to normal. 

Later in XXXX, one of the late payments appeared again ( on the old account ) and I filed a dispute with XXXX. A few weeks later I received a notice stating that the information was correct ... .and I then noticed that all 3 late payments were on the XXXX report. 

After many phone calls, I was finality able to convince XXXX XXXX that the late payments should be removed again, and I assumed this finally solved the problem. 

In the spring of XXXX, I received another notice ( from XXXX XXXX ) that my score had dropped. All 3 late payments were again on my report. Removing the errors took even more phone calls, as I was repeatedly told the data was correct and that XXXX was to blame. I finally reached a reasonable person at XXXX XXXX who saw the full history and actually apologized. I appreciated her help, but stated that I was very concerned with the apparent lack of controls that would prevent this problem from happening again. Knowing that if they did n't correct the source data in their system ( s ), a repeat posting of this data was certainly possible. Unfortunately all this lady could do was correct the data already sent to XXXX. 

Today,XX/XX/XXXX I received yet another notice that three XXXX payments were now showing as late ... ... ... 

XXXX XXXX is n't open in the evening ... but I will call them again in the morning.

Company response to consumer: Closed with explanation
Consumer complaint received 11-10-2016 about Consumer Loan (Vehicle lease) with AMERICAN HONDA FINANCE CORP (SD).
Issue: Managing the loan or lease

Complaint: My lease was up on my Honda Accord. I took the car back to the dealership where I was told that I had thirty days to get an inspection and return it. On the tenth day I received a bill for a payment, lease extension and late fees, Called number on the bill and they said know the dealership has to take the car, XXXX, whom I spoke with said she would call the dealership so they would take it and take final bill to them. Now I keep getting bills and no one seems to know anything. Bill just keeps coming. Tried to file complaints at dealership and they said they do n't do that.

Company response to consumer: Closed with explanation
Consumer complaint received 05-09-2016 about Credit reporting () with EQUIFAX, INC. (NC).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I would like to have my credit report updated and the judgement removed from my report as it has been satisfied/paid in full. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: XXXX 2017 Equifax data breach - my information was accessed without my permission.

Company response to consumer: Closed with explanation
Consumer complaint received 10/25/2016 about Credit reporting () with Experian Information Solutions Inc. (WI).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I called and spoke with an agent and then a manager asking to have my hard inquires removed. I have writte letters to each of the companies and have not received a response of validating or a letter of having the inquires removed. They are currently being showed on my credit report. 

The FCRA states that the only permissible purpose for pulling someone 's credit report is a ) firm offer of credit b ) insurance c ) employment or d ) a court order. 

The following credit inquiries are related to none of the aforementioned permissible purposes : 1. XXXX XXXX 2. XXXX 3. XXXX XXXX 4. XXXX XXXX 5. XXXX 6. XXXX XXXX Please remove these inquiries from my credit report immediately. I have enclosed a copy of my driver 's license as proof of identity.

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 06/30/2016 about Credit card () with CITIBANK, N.A. (CA).
Issue: Balance transfer

Complaint: I had an XXXX XXXX " True Earnings '' card offered through Costco. As part of the XXXX XXXX and Costco " Rewards '' program, I was sent XX/XX/XXXX a " Cash Back Rebate '' to be applied towards any future Costco purchases. I lost the rebate voucher. I called XXXX XX/XX/XXXX and was assured that they would credit this towards my bill. They did not. Account balances were transferred to new acquiring company CITI Visa. They did not receive any such notice of voucher and directed me back to XXXX. XXXX refuses to discuss this, stating that as of XXXX XXXX accounts were transferred to CITI. I called back CITI. Their records revealed although yes, XXXX approved per phone call with me to approve credit, later on a supervisor declined the transfer. 
I have since made several return calls to both XXXX and CITI and each company says it is the other company 's responsibility to address this issue.

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 02/20/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Credit Plus Inc (MI).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: RE : Request to remove Unauthorized Inquiries or provide documentation of Authorization Dear Sir or Madam, On XX/XX/XXXX I filed a dispute concerning inquiries from Credit Plus claiming I did not authorize hard credit pulls on XX/XX/XXXX and XX/XX/XXXX. 

Credit Pluss response was ; On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, XXXX XXXX XXXX pulled your credit report with the permissible purpose of securing a mortgage loan. Credit Plus is a " reseller '' of credit information and provides credit report information from the 3 credit bureaus at the request of clients per the Fair Credit Reporting Act guidelines. If you did not authorize access to credit data ; please file a new case. 

Again I specifically asked for documentation from Credit Plus, I do not care who they pull my credit for, they can not pull it without the proper authorization and if they are pulling credit reports without the proper documentations from it's clients then that is also a monsterous violation of the FCRA. The inquiries are in the name of Credit Plus not some other third party.

Credit Plus claims they follow the guidelines of the FCRA, then follow them. 
So again, I did not authorize Credit Plus or anyone else to pull my credit on XX/XX/XXXX XX/XX/XXXX or XX/XX/XXXX, XX/XX/XXXX, Therefore per FCRA, either provide the proper documentation that I authorized credit Plus to pull my credit reports from XXXX, XXXX and XXXX for those dates or remove the inquiries immediately. 

Here was my request I am requesting for Credit Plus to  either provide me with a signed document where I agreed to allow them to pull my credit report on the dates mentioned or have them deleted immediately. 

Please remove the unauthorized inquiries from my XXXX, XXXX and XXXX reports or provide me with the unredacted documentation that gave Credit Plus permission from me to pull my credit on the dates listed. 

Thank you for your assistance in this matter,

Company response to consumer: Closed with explanation