milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03-10-2016 about Consumer Loan (Vehicle loan) with DriveTime (TX).
Issue: Managing the loan or lease

Complaint: I have filed a previous complaint # XXXX. I was instructed to take the vehicle to XXXX for a diagnostic which I did. More problems were discovered, such as the ball joints and all the rust and MOLD on the inside of the vehicle which proves our claim it has been under water or water filled up the inside of the vehicle. The steel inside of the seats are COMPLETELY rusted!!!! I am being told that now they ( Drivetime ) are waiting on estimates to repair this. I told them I am not paying for anymore repairs ESPECIALLY when it confirms that this vehicle has been in water and is damaged which confirms why there have been so many repairs within the year! I had to pay for the diagnosis which I do not think is fair because they made me take it to them. I WANT MY MONEY BACK THAT I PAID IN MY DOWN PAYMENT, PAYMENTS, AND REPAIR COSTS!!!! I DO NOT WANT ANOTHER VEHICLE FROM THEM BECAUSE THEY DO NOT CONDUCT HONEST BUSINESS! They are continuing to give me the run around. And XXXX XXXX told me that Drivetime instructed them to send them a cost for repair but the advised them they do not repair interior. So they then ask for outside estimates. Why would we want a vehicle that has interior water damage???? That proves its been in water, we do not want this lemon!

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 03/29/2017 about Consumer Loan (Vehicle loan) with LENDING CLUB CORP (MD).
Issue: Shopping for a loan or lease

Complaint: Completed an inquiry with Lending XXXX to refinance vehicle at a lower rate. In return I received XXXX individually credit inquiries which XXXX dofeereny credit unions checked my credit report. As a result my credit score has been impacted and decreased tremendously.

Company response to consumer: Closed with explanation
Consumer complaint received 06-09-2015 about Credit reporting () with Experian Information Solutions Inc. (VA).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: I was very concerned about some accounts on my report that were not right. I wrote a formal letter to Experian hoping to get an explination. I sent this letter on XXXX and have yet to receive a response, they are way past their 30 day limit. My wife also tried to write them letters and they claimed he wasnt real or something. I dont understand what is going on, so I am hoping you all can help me better than they can. Here is the letter I wrote them and my credit report that has the mistakes on it.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/15/2016 about Credit reporting () with Experian Information Solutions Inc. (NC).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I FILED A DISPUTE WITH EXPERIAN CREDIT BUREAU ABOUT MY COMPLAINT OF XXXX REPORT OF PAYMENTS OF {$120.00} A MONTH WHEN MY PAYMENTS THAT WERE MADE WAS {$170.00} A MONTH SINCE XX/XX/2016 THRU XXXXWITH TWO PAYMENTS MADE XX/XX/2016 OF {$170.00} EACH. THE ENDING BALANCE IS INACCURATE AND THE MONTHLY PAYMENT AMOUNT IS INACCURATE. I HAVE SUBMITTED BANK STATEMENTS TO REFLECT THE ACTUAL PAYMENTS MADE TO XXXX BY BANK DRAFT

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/31/2015 about Credit card () with TD BANK US HOLDING COMPANY (GU).
Issue: Customer service / Customer relations

Complaint: After receiving my TD credit card statement, I saw a charge I did not recognize. It was a {$200.00} charge from XXXX. 
I called Customer Service at TD to find out what the charge was for. They told me they could not tell me as, although their records did show the charge, the record did not show the reason for the charge. TD told me to contact XXXX directly. I tried to call, but there was no number on their website I could find that was responsive to the problem. 
I called XXXX back and informed then of the above and said to put amount under " dispute '' until I was told the reason for the charge. 
On XXXX/XXXX/15 TD sent a letter ( attached ). XXXX responded by saying the {$470.00} charge was for XXXX. It is plain this was a non answer and I wrote to TD on XXXX/XXXX/15 ( attached ) so stating. Please note XXXX things ; first, I put " XXXX '' rather than XXXX because my company is involved in credit and it is so close, I put down the wrong name. The second is my PS. Asking for a missing statement. Nothing was received. There is a handwritten note at the bottom of the letter that, on XXXX/XXXX/15 reflecting I called XXXX at TD Customer Service to, again, get the missing statement and was told it would be sent. Not! 
I received a letter 0n XXXX/XXXX/15 ( attached ) from TD stating the merchant had issued a rebuttal and they were accepting it and putting that charge back to my account. You can see it is the identical " rebuttal '' sent in TD 's XXXX/XXXX/15 letter. 
On XXXX/XXXX/15 I received the enclosed XXXX/XXXX/15 letter. Interesting! I responded XXXX/XXXX/15 ( attached ) to see what TD 's response would be. There was no response. 
However, I did get TD 's last missive dated XXXX/XXXX/15 ( attached ) thanking me for enrolling my account and confirming the fact the first deduction will be on XXXX/XXXX/15. I called Customer Service and asked for copies off documentation showing I made such a request. They said they had none and would confirm that fact to me ( see XXXX/XXXX/14 letter attached ) Of course, there was no response to the letter or the promised confirmation. I am awaiting their next statement to discover their next move. I have paid all past charges on my TD statements other than the XXXX charge,. I will, in my next statement do the same. 
I do not consider the matter closed as my problem has not been addressed as shown by the above and attachments. Something foul going on with them on this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07-09-2017 about Debt collection (Auto debt) with SANTANDER CONSUMER USA HOLDINGS INC. (FL).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I had an auto loan with this company in 2013. My car was totaled. Up until my car was totaled, my account was current, and all payments were made on time. When the car was totaled, my Santander, my insurance, and GAP insurance were notified. My insurance paid Santander the worth of the car and GAP insurance covered the rest. While this was processing Santander continued to charge me fees, payments, and more fees. The balance was originally reported as one months worth of payments, then it was reported as {$460.00}, now it is {$590.00}. They continue to change the balance amount even though it should be a XXXX  balance because they were paid by the insurance and GAP insurance. I have pulled my credit report and realize that it is severely, negatively, impacting my credit when it should not be a negative account at all. I also attempted to send the company an offer to pay a small percentage of the balance-that I do not believe I owe- just to have it removed from my credit and they did not respond. I have also asked all three credit bureaus to produce valid concrete proof that I owe this debt. I have not been provided with proof because I can only assume, as mentioned, this is because I should not owe them a penny. They should have stopped collecting and asking for money since being paid the balance by my insurance companies. Regardless, there is no proof. I am demanding one of two things. Santander needs to stop reporting this as a negative account and fix the account to CORRECTLY display the accuracy that is/was my outstanding payment history, the payments from my insurance and GAP, and the XXXX amount that I owe them. Option number two, is to delete this account from my credit report. Period. I DO NOT owe Santander anything. They were paid in full by insurance and chose to continue adding fees after the fact. I want this either corrected on my credit report to reflect positively, or removed. IMMEDIETELY.

Company response to consumer: Closed with explanation
Consumer complaint received 02-10-2016 about Bank account or service (Checking account) with U.S. BANCORP (OR).
Issue: Problems caused by my funds being low

Complaint: During my XXXX year of college ( about 2013 ) I traveled XXXX. I let my bank ( U.S. Bank ) know that I would be switching to XXXX XXXX XXXX for the time being, because they have a great relationship with XXXX XXXX Bank and it would be easier for me to use my money through them. And assured them I would switch back to their service once I returned XXXX. 

I kept a small amount of money inside my U.S. Bank account ( as advised by XXXX the bankers when I told them I was traveling XXXX ). They did not warn me to freeze my account or to make sure that I do n't have any reoccurring charges. I understand these are things I should have checked for myself, but I was too busy worrying that everything was set up for my trip XXXX. 

Once XXXX I got a reoccurring charge ( a small XXXX around $ XXXX {$25.00} ) that put me just barely in the red and overdraft. But because I was in XXXX where they did not allow XXXX or XXXX, and any mail warning would be sent to my sister 's address which had no way of contacting me, I was left not knowing about this for months. And even if I found out, the program I was in did not allow me to speak any XXXX. Once I got back from XXXX the fees had stacked on top of each other until it had reached hundreds of dollars for a simple ~ {$15.00} charge. I decided to ignore it because between college and XXXX I had absolutely no money to pay for it, and did not think I had any action I could take against such a big bank. 

A couple of months ago I contacted the branch where I opened up my account and told them I was trying to get a handle on all of my debt. And that I was willing to pay it off, if they could at least be willing to work with me. The manager looked up my account, and although he acknowledged it started with such a low fee he reminded me that the event transpired such a long time ago that he was n't required to do anything. 

Just a couple of days ago I got a piece of mail from XXXX saying " Good News! We have contacted our client, U.S. Bank, and they have agreed to accept a substantially lower amount to settle the above referenced account in full ''. Saying that they will accept a one time payment of {$310.00} instead of the {$690.00} that I owe them, for a charge that started off as low as {$20.00}.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/16/2017 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 status incorrect

Complaint: XXXX CARD IS REPORTING 1 ( 30 ) DAY LATE IN XXXX, 2016. THIS IS FALSE AND UNTRUE. I PAY ALL OF MY BILLS EACH MONTH.

Company response to consumer: Closed with explanation
Consumer complaint received 12/30/2015 about Payday loan () with AmeriCash Holding LLC (KS).
Issue: Charged fees or interest I didn't expect

Complaint: First of all, this form does not have a box to check that I never took out a loan from the questionable company and secondly, the only box I could check was that I was the borrower, which I am not, but the assumed borrower instead. 

I am getting requests for payment of loan # XXXX taken on XXXX/XXXX/XXXX obtained through AmeriCash Loans of Missouri for a person who has the same name as me but not the same SSN or address as me. The first written Notice Before Suit was received XXXX XXXX, XXXX. I subsequently sent a certified letter to their XXXX XXXX, IL collection office. I received confirmation of delivery by USPS. Another letter, Notice of Right to Cure Default, dated XXXX XXXX, XXXX was received by me on XXXX XXXX, XXXX via certified mail. The phone number for the company is XXXX but we are hesitant to call them in case it is not a legitimate business but a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 01/28/2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (TX).
Issue: Other

Complaint: I sent letters to Capital One Credit services about them not following the law as required under FCRA 623 ( a ) ( 7 ) ( G ) ( i ), they responded by saying that there security agreement address that but that 's not what the laws say. They never sent a notice as required before and after they reported negative information to the CRA 's. I 've spoken with a XXXX XXXX in the Executive Office, XXXX XXXX Id # XXXX, XXXX XXXX Id # XXXX and XXXX and they will not remove the negative information in violation of the FCRA section 623 ( a ) ( 7 ) ( G ) ( i ). I 've been disputing this since XXXX of 2014, the account is closed and paid in full. I will attached an invoice sent to me by them that does n't should the language outlined and required by FCRA section 623 ( a ) ( 7 ) ( G ) ( i ). I 've filed a complaint with the XXXX about this also and they still said that there security agreement addressed the section above but it does n't as you can see in the attachment the section they sent me from there security agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 01/27/2018 about Payday loan, title loan, or personal loan (Title loan) with TMX Finance LLC (AZ).
Issue: Struggling to pay your loan

Complaint: I have fallen behind on payments. The company XXXX XXXX left a green note at an address of a friend with no name just a reference number and phone number to call. The friend called the number and the women told him they were looking for me to collect my vehicle. He advised her that he was not me and to contact me and she advised him they were trying to contact me by leaving the note. The issue is they advised him that there were collecting a debt and told him my name and make, color and model of car. This person is not on any of my title loan information. They just provided my info because he called the number that was left on his door that did not state who the information was for but upon calling he was given the info and more.

Company response to consumer: Closed with explanation
Consumer complaint received 03-10-2018 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: I sent them letters multiple times And so far they have not yet respect the fact that I want to to remove the inquiries and late payments off my report.

The late payments can not be proven also.

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 03/23/2017 about Debt collection (Credit card) with Terrill Outsourcing Group (WV).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: This company contacted my daughter who said she was a authorized user on my XXXX account which was in collections.I never made her a authorized user.I called them back and explained to them that I could pay {$10.00} a month as now I am on XXXX because of XXXX.At first he said we could work something out.Then he came back and said that my daughter was legally responsible to pay this debt if I did n't pay them {$3000.00} in a lump sum.I told him I did n't authorize her and she and her husband were going to buy a house and if this showed up on her credit report her husband was going to have a fit.He went on to say that maybe she added herself and was doing things behind my back and that she needed to go and ask her husband for {$3000.00} so it would n't go on her report.I said no way since this is my card and she has nothing to do with it.His manager came on the phone and he tried to get my bank account # and for me to agree to pay {$46.00} a month when I had already told them I could only do $ XXXX.When I started asking him if it was true that my daughter was legally responsible he would beat around the bush.When I told him I was going to contact my lawyer and check into the tactics they were using he then said she probably wasn't.The first employee XXXX was telling me this I guess to scare me into asking them for {$3000.00} when they have nothing to do with this at all.She was n't even XXXX when I opened this account.After I came back on the manager and told him I was going to check into all the lies they were telling me he said I could just mail in $ XXXX.I asked the manager how his employee got my daughter 's phone number he said he did n't know.So I said ask your employee he called her and again he started beating around the bush.How can they harass my daughter over a debt that she had nothing to do with? Can they report to her credit when one of them said she was a authorized user and the other said he did n't know why her name was on there but it was there? Please help.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 10/14/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with I.Q. DATA INTERNATIONAL, INC. (NY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: I was the victim of identity theft and someone rented an apartment in my name using my drivers license, but not my social security number the account is actually not in my social security number it is in someone elses number. This account was turned over to a collection agency several years ago. At that time I notified the creditor that I was a victim of identity theft and I also notified them that this account was not even in my social security number, but it was showing on my credit report due to the fact it was linked to my credit report using the address on my driver 's license. I provided a copy of my police report and other information to prove to XXXX XXXX that this was fraud. I also provided the same information to XXXX. The account ended up being taken out of my name by XXXX, now years later the creditor XXXX XXXX has again sent this fraudulent account out to a collection agency to collect even though they know that it is fraudulent. I have again contacted them to make them aware that again this is a fraudulent account and it is reporting against my credit file. XXXX XXXX has refused to remove this fraudulent account from my credit file. It is illegal to knowingly try to collect on an account that you know is fraudulent. I have provided XXXX XXXX the police report and the fraud affidavit yet again and they continue to be uncooperative by continuing to collect on a debt by intimidation that they fully know is fraud.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: Different people are using my information to get health care insurance. They are being allowed to be seen by different doctors. Get prescription medication/drugs, XXXX XXXX, and other controlled drugs in my name. I 've told XXXX the address on my report is incorrect. My date of birth, all of my former employers have been changed. Someone have placed a seven year fraud alert on the fraud information. I ca n't do anything online, because they 've placed a monitoring service on my social security number. I need an address for XXXX to mail my information to. I 've changed the spelling of my name with probate court. My drivers license & social security card shows 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 02-10-2016 about Credit card () with CITIBANK, N.A. (GA).
Issue: Billing disputes

Complaint: I had a XXXX procedure done so I could not pay my Macy 's bill on time. So I called Macy 's and set up weekly payments, Macy 's has been taking out {$60.00} out of my bank account for the past 3 weeks. Before I agreed to this they Promised me my credit wo n't go down. They lied! I just got an email saying my credit score went down XXXX POINTS because of this. I want my credit score back up or for Macy 's to wipe my Balance clean! I will contact a attorney if I have to I do n't appreciate Macy 's lying to me about my credit!

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 04-07-2017 about Credit reporting () with Experian Information Solutions Inc. (VA).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: Credit report shows XXXX different social security number under my report in personal information section. I disputed different social security number shows up in my report but credit reporting company said they can not remove it because that information is coming from the lender. And because it is XXXX digit different they were thinking some of lender 's operator made a simple mistake during their input process so considered it as minor, but It is not minor problem to me. I am an XXXX military XXXX and during my background investigation they found XXXX different social security numbers and the government is considering me as some type of cheater or dishonest personnel and possibly losing my career with this silly mistake someone made.

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 EQUIFAX, INC. (CA).
Issue: Credit monitoring or identity protection
Sub-issue: Problem cancelling or closing account

Complaint: I filed several times before complaints against " XXXX '', " XXXX '', " Equifax '', " XXXX '', because ; 1 ) They refused to send me my " Free Annual Credit Report '' claiming that they ca n't match my personal info, but at the next page of their website they offer me my Credit report for a Fee {$7.00} ; 2 ) They refused to investigate Frivolous items in my Credit Report. Obviously CFPB did n't took any action against them so " XXXX '', " XXXX '', " Equifax '' decided to take a Revenge against me by Re-age on XX/XX/XXXX a 2006 deleted Frivolous item, XXXX XXXX XXXX account # XXXX amount {$9700.00} which reduced my SCORE by XXXX points. Also " XXXX '' because they refused to investigate and delete XXXX Frivolous Bank claims ; a ) XXXX XXXX account # XXXX i closed it on XX/XX/XXXX, b ) XXXX account # XXXX i closed it on XX/XX/XXXX, both had XXXX balance at the time of closing them. As a result i ca n't open a new checking account with any Bank. My question to CFPB is why Proven Fraudulent Companies like them are allowed to Terrorize and creating problems to consumers in many different ways with Immunity ; Is it because they are allowed to do business by Bribing Politicians or because Corporations are Governing America???

Company response to consumer: Closed with explanation