milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06/30/2015 about Debt collection (Medical) with WAKEFIELD & ASSOCIATES, INC. (CO).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: ATTN CFPB REF XXXX THIS IS NOT A DUPLICATE COMPLAINT THIS IS IN RESPONSE TO WAKEFIELD & ASSOCAITES LETTER THAT WAS ON YOUR SITE FOR ME TO REVIEW. ALSO I WOULD LIKE TO MAKE YOU AWARE THAT WAKEFIELD AND ASSOCIATES HAS LEGALLY FAILED TO RESPOND TO ME BY THE DATE THEY SAID THEY WOULD IN THIER RESPONSE TO THE CFPB PORTAL. THIS ILLEGAL TRADE LINE SHOULD NOW BE COMPLETELY DELETED FROM MY CREDIT REPORTS. 

WAKEFILED AND ASSOCIATES I AM ALSO REQUESTING THAT YOU PROVIDE ME WITH A LETTER OF DELETION TO THE PORTAL. I WILL ALLOW YOU 72 HOURS TO CONTACT THE CREDIT BUREAUS, BEFORE I FILE MY LAWSUIT. 


This Complaint is being Filed against Wakefield & Associates in response to the above reference account that Wakefield & Associates has reported and listed on all three major credit reporting agencies ( XXXX, XXXX, and XXXX ). Please be advised that this is not a refusal to pay, but written notice sent in pursuant to the Fair Debt Collection Practices Act, 15USC 1692g Sec. 809 ( b ) that your claim is disputed and VALIDATION is requested. 
This is not a request for " Verification '' or proof of my mailing address, but a request for " VALIDATION '' made pursuant to the above named Title and section. I respectfully request that your offices provide me with competent evidence. 
Please provide me with the following : What the money you say I owe is for ; Explain and show me how you calculated what you say I owe ; Provide me with copies of any documents that show I agreed to pay what you say I owe ; Identify the original creditor ; Prove the Statute of Limitations has not expired on this account ; Show me that you are licensed to collect in my state ; Provide me with your license numbers and Registered AgentAt this time I will also inform you that if your offices have reported invalidated information to any of the XXXX major credit bureaus ( XXXX, XXXX, and XXXX ) this action might constitute Fraud under both federal and state laws. Due to this fact, if any negative mark is found on any of my credit reports by your company, or companies that you represent. I will not hesitate in bringing legal action against Wakefield & Associates for the following : Violation of the Fair Credit reporting Act Violation of the Fair Debt Collection Practices Act Defamation of character

Company response to consumer: Closed with explanation
Consumer complaint received 02/20/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: I checked my XXXX link went to transunion then to changes and found these inquiries that was added to my report that I did not apply for than it was removed, I never got a notification from transunion of these inquiries happening

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 09/15/2015 about Debt collection (Payday loan) with National Credit Adjusters, LLC (FL).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: A call was recieved concerning collecting a debt on behalf of XXXX. I wanted to verify the debtor 's validity in collecting a debt and recieved threats from the debt collector claiming to be operating on behalf of XXXX. 

I was told I had two hours to verify, that I would n't call back, that I would face serious consequences. The behavior was hostile. 

Here is his contact XXXX XXXX XXXXNational Credit Adjusters

Company response to consumer: Closed with explanation
Consumer complaint received 12/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: On XXXX XXXX, XXXX wrote into all 3 major credit bureaus disputing account that were invalid reporting, did not belong to me. These accounts are : XXXX XXXX, XXXX/XXXX, XXXX XXXX, XXXX XXXX, XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX would like these accounts to be removed and blocked. Also XXXX XXXX is a new account opened XXXX and somehow XXXX is reporting late payments from XXXX XXXX XXXX and I did not even have this account during this time ; please remove late payment history from 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
Consumer complaint received 09-06-2017 about Credit card or prepaid card (Store credit card) with Alliance Data Card Services (CA).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint: Several months ago, my husband and I went to XXXX XXXX to purchase a set of dining chairs and a chandelier. It was a substantial purchase and the sales person suggested that we apply for a XXXX XXXX credit card ( offered through Comenity ) to receive a 10 % discount which will be reflected on the credit card statement. The sales agent ( her name is XXXX ), stated several times that she was so happy to help us SAVE so much money. At the time, I did not receive any disclosures - just a hand written paper with the XXXXXXXX XXXX/Comenity credit card number. I received the furniture approximately 30 days later and the first bill approximately 60 days later. When I looked at the credit card statement, I did not see the 10 % discount. I contacted XXXX at XXXX XXXX and inquired about the 10 % discount and at this point she stated that the 10 % discount will be provided in the form of Reward Points to be used to purchase additional XXXX XXXX product. I was very upset about this because it was not clear to me at the time - that a 10 % discount was provided in the form of reward points. When I specifically asked XXXX why did she stated that I was " saving so much money '' her response was that many customers complain about this and she agrees that their sales pitch is misleading. Further, she said that its a practice that she can not control and they are trained to state this " savings '' for signing up for the Comenity credit card by the store manager or " corporate ''. She highly suggested to me to make a formal complaint so that other consumers are not mislead. She said that she ca n't stop this practice but if enough people complain, she and other XXXX XXXX sales representatives will not be force to sale the credit card so hard to consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 05/18/2016 about Consumer Loan (Vehicle lease) with SANTANDER CONSUMER USA HOLDINGS INC. (OH).
Issue: Taking out the loan or lease

Complaint: On XXXX/XXXX/XXXX an arraignment to purchase a vehicle,XXXX Dodge Ram Quad Cab 4 WD Drive Hemi .Was constructed for XXXX XXXX , XXXX XXXX XXXX XXXX XXXX XXXX , Ohio XXXX.Placed upon the lease agreement.An amount for a monthly payment expects a purchaser to forward payments.Recommends an agreement for a monetary settlement.Gives a consumer a right to drive this vehicle.Placed upon highways a legal condition for an operator to maintain an agreement.Was proof a vehicle could enter highways.Gives a right to transport cargos safey to other locations.Requires an arraignment satisfy the State. 
Having been advised to consider making payments to Chrysler Capital.To retain possession of a vehicle.A salesman objects to purchasing this vehicle.Give a consumer a right to own a vehicle.Require the effort of consumer financial protection bureau.To investigate a contract for any discrepances.To give a consumer relief from a financial ovligation to lease a vehicle for an increase in profits of Investors.Reason a considerable reduction would be possible for a consumer to buy a vehicle.P ; ase make sure company representation is willing to release a debt of a consumer.And obtain a financial agreement to purchase a vehicle, outright for an American Citizenship 's increase in his state of independence.

Company response to consumer: Closed with explanation
Consumer complaint received 10/24/2017 about Vehicle loan or lease (Loan) with HYUNDAI CAPITAL AMERICA (DE).
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint: I paid off my auto loan from Hyundai Motor Finance and have been enquiring about the title which now lawfully should be turned over to me. I 've received a myriad of responses including they do n't have my title, they wo n't send me the title, they will send in 90+days, I should go get a duplicate from the DMV as they 'll never send me a title, I should get it from the dealership etc. All these calls are recorded by HMF so you can see what they are doing. 
I believe I complained about their using incorrect credit scoring and over charging me interest so they are now retaliating with holding on to my paid off car title. 
I just want my title as I 've paid the loan off and HMF is illegally giving me the run around. The DMV sent my licence plates and registration to the dealership who forwarded to me ... And HMF says they have n't even received the title from the DMV ... What a lie!

Company response to consumer: Closed with explanation
Consumer complaint received 11-12-2015 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: I have never lived on XXXX in XXXX or XXXX in XXXX, that should appear on XXXX XXXX report. How could you confuse XXXX completely different SSN and DOB and foul up the information?

Company response to consumer: Closed with explanation
Consumer complaint received 08/17/2016 about Credit reporting () with Experian Information Solutions Inc. (IL).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I tried to dispute with Experian an item is in my credit report and tehre is a process of a Validation of the Debt with XXXX XXXX also, I Kept Experian aware that I was in the process of Validation of the Debt therefore they can not continue reporting anything if a validation is not provide to me from the collector I 'm dealing with. but seems Experian do n't respect my FDCPA rights they still reporting an item is not validated, see the attached validation letters I sent and XXXX never responded. 
Collection agency if they do not validate a debt can not continue to pursue collection activity .see FDCPA Section 809 attachment. thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01-08-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
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: XXXX XXXX Experian and XXXX shows collections accounts and credit cards I did not open XXXX credit card XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 2 accounts XXXX XXXX XXXX XXXX Ive tried to dispute I havent got anything fixed

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 03-09-2016 about Debt collection (I do not know) with ENCORE CAPITAL GROUP INC. (FL).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I receive telephone calls 3 or 4 times daily. When I pick up the phone, there is no voice only clicking. I do n't know for sure who the caller is. I do not have outstanding debts never has.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with DISCOVER BANK (NC).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: I contacted discover today at XXXX EST on XX/XX/2017 and  spoke with a credit analyst by the name XXXX, She informed me that the reason for my credit increase denial was due to too many recent inquiries on my credit report, which is not the case. There are no recent inquiries. I find this to be concerning as well as unethical.

Company response to consumer: Closed with explanation
Consumer complaint received 10/17/2016 about Credit card () with JPMORGAN CHASE & CO. (GU).
Issue: Transaction issue

Complaint: XXXX will automatically default any form of payment to their cobranded credit card on file, regardless if you manually select another payment to use. 
This has happened on two occassions. On the first occasion, I entered my XXXX credit card ending in XXXX manually and selected the card as payment. However, upon transaction, I noticed that the credit charge was made without authorization on my XXXX credit card ending XXXX. I called XXXX and a lovely customer service representative was able to assist me in processing the refund to both my card and re-crediting my miles. I proceeded a second time this time via XXXX, with both the log in and a confirmation page prompting me to use my XXXX credit card ending in XXXX. Again, the transaction defaulted to my XXXX credit card ending in XXXX and did not even utilize the transaction via XXXX, despite logging into XXXX via the XXXX prompt.

Company response to consumer: Closed with explanation
Consumer complaint received 09/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (IL).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: The data breach from Equifax is unequivocally the worst violation of my personal information that 's ever occurred - and it 's all a result because a company has highly personally identifiable information stored without my express consent to do so, all in the name of profit. This is exemplified by the fact that I 've had to pay Equifax to freeze my credit account - those at fault for this incredible fumble of cybersecurity - in order to protect myself from their total ineptitude. Add to this their flawed website to determine if you 've been compromised ( created for some reason under a different domain, as if to somehow demonstrate that they are in fact scam artists ) and their half-hearted attempt at avoiding lawsuits through their surely worthless " protection plan '', and you 've got a boatload of " too-little done '' and " too-late now '' arguments and evidence to render these companies essentially ticking cybersecurity time-bombs. To add insult to injury, Equifax 's automated freeze phone tree ironically froze and asked me to call back later, only to inform me that my account had already been frozen without ever providing me the PIN ( This happened to both me and my fianc, and I ca n't imagine how  many others ). It will surely be a blast dealing with this company personally when the time comes to thaw my account. Furthermore, in a stand of solidarity, XXXX enacted their own exploitative protection plan ( apparently a prerequisite for credit companies ) in order to make a quick buck off of people who are both frustrated and confused in their time of need. 

The fact that a government agency is not available to protect us from these bumbling XXXX is frankly ridiculous, and having to pay them for their own mistakes is downright absurd. It 's insane as somebody who works regularly with protected health information and personally identifiable information that entire companies lacking such basic protections and bizarre practices ( such as Equifax using a timestamp as a randomly generated PIN and providing random results on their flawed compromised website ) can be trusted with such sensitive information with little oversight. This is compounded by the fact that they have regular access to this information, which we as consumers do not ... The vast majority of whom would never consent to such invasions of privacy if it was possible to navigate the modern world without. Save living totally off the grid and storing money under the mattress, where else is one supposed to go? It 's unfortunate so many were forced to put blind faith in a company of scammers, but we were never provided a choice we needed, nor the protection we deserved.

Company response to consumer: Closed with explanation
Consumer complaint received 10-07-2016 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Credit monitoring or identity protection
Sub-issue: Problem with fraud alerts

Complaint: Hi on my Credit Report there is about XXXX Loans took Out, XXXX is were I used a XXXX Times XXXX # Cards, up to XXXX $ the Co Ripped me Off, there Recording was Scrambled during the process # The man Lied to me, and Kept Hanging Up on Me after the end he said I Deliver the Money to your House? and Get this they Called Me, its on my Credit Report, The Co Name I, m Faint its been a While this is first Time doing this Today. that 's 1 Co, Ripped me Off for XXXX $ The Co I, m very Sure Embezzled Money, and Used my Name for Fraud Racketeering, and To have XXXX XXXX XXXX XXXX Call me and Try to Rip Me Off, Whos Behind these Crimes there All XXXX,? Very Scared Some times Plus the Cases I, m Next Sending to the FTC.Gov about XXXX .. Next there is about XXXX More Loans token Out or More? from Cyber Crime Theft s, I had XXXX Call me saying I Owe Them $ $ Money for Loans then theyde Hang Up? That 's Very Fishy There. I still Keep Getting these Go to XXXX XXXX Send Check to us Bla Bla and They Rip You off from the First XXXX XXXX Scams I, mPosative. My Name is Wrong on some and Adress etc XXXX, How Do I Get My Credit Score Up Help? Can you BELEIVE I, m involved in over XXXX Bank Rip offs and Still Going Hmm

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 05/13/2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (OH).
Issue: Billing disputes

Complaint: Capital One has charged me interest when I paid the balance printed on the current statement in full and by the due date. The supervisor is claiming this is due to the fact that charges posted afterward. When I questioned the most recent statement, I was advised that this was because my due date was on the XXXX, but my next bill generated on the XXXX, resulting in further charges being due. I asked how I could be charged interest on something that had n't yet been reflected on any billing and the same answer was repeated. The charges have not been credited back to my account. I even asked the supervisor if this is legal under the Credit Card Act, but again, received the same answer. I also read this to the supervisor. The XXXX line on the back of their bill reads as follows : How can I avoid paying interest charges? If you pay your statement 's New Balance in full by the due date ( which I did ), we will not charge you interest on the portion of the balance that you did not pay. It made no difference.

Company response to consumer: Closed with explanation
Consumer complaint received 03/29/2016 about Student loan (Non-federal student loan) with NELNET, INC. (NY).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I have been working hard towards keeping my credit in a good place and am currently trying to power pay on the Private Student Loan I have with the highest interest, while they ( the other XXXX I have ) are in deferment. The last time I checked my credit score was about XXXX and I contacted First Mark ( the private loan holder ) to see if I was able to refinance and they told me no. I just feel like 8 % is a lot for me to be paying in interest and was wondering if there is in fact a way to lower this loan so the extra payments I am paying will be worth it. Also, they told me that there is no way to put those extra payments ( After making the monthly payment ) directly towards the principle. I 'm also not sure how true this is either.

Company response to consumer: Closed with explanation
Consumer complaint received 06-04-2015 about Debt collection (Non-federal student loan) with Navient Solutions, LLC. (MN).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: My complaint is about my daughter 's college loan debt through Navient. I am the co-signer. I receive mail, email, and phone calls from them. 
Navient calls me at least XXXX a day seven days a week. If I answer, they ask for my personal information- my birthdate. I have told them at least XXXX times that I will not give this information over the phone to someone that calls me. I have asked them to stop contacting me by phone. My daughter is behind on her payments. Her husband has had some periods of unemployment so she is doing the best she can. I have responded to them by email and told them that my daughter is responsible for the loan and that she intends to pay it off. I have never heard of a co-signer being harassed this way. The loan has not gone into default.

Company response to consumer: Closed with explanation
Consumer complaint received 10/16/2015 about Credit reporting () with Experian Information Solutions Inc. (TN).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Experian have violated the Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of CharacterExperian failed to validate the debt accordance with State of Tennesse law. Report # XXXXTotal XXXX violation throuh XXXX XXXX. 

Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character What the money you say I owe is for ; ( I need signed XXXX, application, where and when XXXX Experian Did not furnished ) Explain and show me how you calculated what you say I owe ; Must support XXXX terms and condition ( Experian Did not furnished ) Provide me with copies of any papers that show I agreed to pay what you say I owe ( Experian Did not furnished ) ; Provide a verification or copy of any judgment if applicable ; XXXX Experian Did not furnished ) Identify the original creditor ; XXXX Experian Did not furnished ) Prove the Statute of Limitations has not expired on this account ; This Item must be expired XX/XX/XXXX. XXXX have reported first deliquence XX/XX/XXXX with similar account. Must verify ( Experian Did not furnished ) Show me that you are licensed to collect in my state ; and XXXX Experian Did not furnished ) Provide me with your license numbers and Registered Agent. XXXX Experian Did not furnished )

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation