milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11-04-2015 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: There is an account appearing on my credit report that is a corporate account ; Applied Bank. I 've stated on numerous occasions that this should not be reporting on my personal credit report and they will not remove the account from my report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (MA).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I have no idea how I over over XXXX. I never was told about my interest. I took out XXXX small loans. I went to a 4 year university and lived on campus for one year. XXXX did nothing to help me. I barely make XXXX with a college degree.I was never told about private and federal loans and going to school out of state. Nothing was explained to me.

Company response to consumer: Closed with explanation
Consumer complaint received 02/28/2016 about Credit card () with U.S. BANCORP (CT).
Issue: Rewards

Complaint: I received a XXXX XXXX American Express credit card invitation in the mail. I applied on line and fulfilled the purchase requirement for an additional {$300.00} bonus. The paperwork stated to wait 6 to 8 weeks after the {$2000.00} purchase threshold was met to receive the bonus. When I did not I called customer service. I was told I was not eligible with an explanation that made no sense. Please help. 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 explanation
Consumer complaint received 03-10-2017 about Debt collection (Non-federal student loan) with Navient Solutions, LLC. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I received a letter from XXXX XXXX XXXX , XXXX claiming that they are collecting on behalf of Navient Education Credit. In there letter dated XX/XX/XXXX, the claim that my total current balance is {$13000.00}. As it stands according to Navient, I do not owe them nor any collection agency. The debt they allege I owe is not valid nor accurate. Proof that is attached to this complaint will show that this company is illegally trying to collect on an account that is paid in full and is also closed with Navient. The account they also is past the statute of limitation based of the Fair Debt Collection Practice Act, Fair Credit Reporting Act and Texas statute of limitation that is enforced by the Texas Attorney General. They have no right to collect on the account since it is paid in full. Furthermore, no documents or proof that this account is accurate was sent to me by XXXX XXXX XXXX , XXXX. I am going to consult with my attorney or legal recourse as they are breaking several federal and state laws. Also, since Navient has been the center of several lawsuits, their selling off and transferring of accounts to deceive individuals as myself will not be tolerated. Also the fact that the XXXX loans I had with Navient : XXXX for {$4000.00} and XXXX {$2600.00} are nowhere near the doubled amount this company and Navient are trying to collect wrongfully from me.

Company response to consumer: Closed with explanation
Consumer complaint received 11-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TOYOTA MOTOR CREDIT CORPORATION (NY).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I went to XXXX XXXX dealership on XX/XX/XXXX. On the same day, they ran an inquiry into my credit for car loans and financing. On XX/XX/XXXX, they ran more inquiries, multiple ones, without my consent and without me being there. All of these credit inquiries were unauthorized. On XX/XX/XXXX, I call the Toyota dealership and they said they could not remove these inquiries from my credit report. Toyota made car loans applications on my behalf without me knowing. I also called the financial institutions Toyota made these applications to. XXXX and XXXX financial departments opened cases to look into this situation. Toyota Corporate and Financial department refused to, claiming they could not do anything.

Company response to consumer: Closed with explanation
Consumer complaint received 02/26/2018 about Debt collection (I do not know) with SYNCHRONY FINANCIAL (CA).
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you in a state where you do not live or did not sign for the debt

Complaint: I know nothing about this company

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 05/15/2015 about Debt collection (Medical) with Clark County Collection Service (NV).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I discovered a collection on my credit report showing a balance of over {$4000.00}. When I inquired with the credit bureau and collection agency to verify the legitimacy of the bill, they simply replied back that the debt was valid without any documentation showing why or how I had incurred a debt of over {$4000.00}. 
A long time ago I went and had some XXXX procedures, while I had paid the majority of my bill, I had a small balance of {$800.00} left over. Unfortunately I did not have enough money at the time to pay the remaining part of the bill and was not able to make arrangements. I just ca n't imagine how an {$800.00} bill could balloon to over {$4000.00} and I refuse to pay this amount or have it shown on my credit report this way.

Company response to consumer: Closed with explanation
Consumer complaint received 01/22/2018 about Debt collection (Medical debt) with Affiliated Collection Services, LLC (NJ).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I have recieved a notice from XXXX XXXX XXXX for a debt that is not mine. I have no knowledge of debt nor have I ever done business with XXXX XXXX XXXX. I have no contract with XXXX XXXX XXXX. 

I have sent notice to the original creditor on XX/XX/17 and have not recieved a response. 

XXXX XXXX XXXX has been given access to my private medical records which is a Hippa Violation

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02-02-2017 about Credit reporting () with Credit Protection Association, L.P. (IL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I had an account with XXXX and I was paying regularly, I sold the whole building which consists of XXXX units, I found a collection under credit protection association LP on my XXXX report that I owe them {$290.00} unpaid, I did pay even its not mine and they said they will delete it because its not mine and no sufficient info about this account, however it 's not deleted as requested and it 's not mine, I had XXXX bill on basement and their collection does n't include any Unit number and they have phone that does n't belongs to me and wrong amount, however I had original bill and shows payments for the specific unit and account number different what is in collection.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09-01-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Navient Solutions, LLC. (KS).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: on XXXX XXXX, XXXX - I proactively reached out to MSB ( Municiple Sevices Bureau ). I was given their information from the XXXX XXXX XXXX XXXX through which I had an outstanding fine. After calling MSB, I spoke to someone name " XXXX '' and explained my intention of paying my fine. After looking into her system and asking questions for personal information, she claimed she found my account. She then gave me a total amount of {$630.00}. I initially was taken aback because my fine balance was {$500.00}. I asked why the difference and she proceeded to give me confusing and contradicting information. She stated that they ( MSB ) received my debt back in XXXX and that the courts could have added additional fees. She later clarified that they received it on XXXX XXXX, XXXX. My confusion is because that 's when I was arrested and court fines and fees were later decided in the later part of XXXX. She also gave a date of XXXX XXXX, XXXX - which would make more sense. This led to additional questions from myself trying to understand what she was telling me. She asked if I wanted to dispute the amount and based on what she was telling me. I answered yes. This is when her tone changed and she became argumentative and abusive. She threatened to terminate the call because as she said " She do n't have time for this!! '' - this was said multiple times as she spoke over me. When I asked for her to not terminate the call and that I have additional questions - she continued with the statement of not having time for that. She then said that she gave me the phone # to dispute the claim and was n't going to answer any additional question. She was willing to let me talk to her supervisor and put me on hold - and of course I sat on hold waiting for an additional 45 minutes at which point, I decided to hang up. I feel that this agent had no right to use the disrespectful tone and threats that she used. I had every right to question the misinformation she gave me and I did it in a polite and professional manner. I 'm requesting a formal apology from this specific agent ( preferably via phone call ) and I also would like a copy of the voice recording of our conversation. I 've reached out to XXXX XXXX XXXX XXXX to request that they reclaim my fine and I will pay it directly to the court. I absolutely will not pay this fine through MSB.

Company response to consumer: Closed with explanation
Consumer complaint received 05-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I wrote letters and call transunion about the recent inquiry on my credit report and they fail to investigate and help me with this inquiry 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 explanation
Consumer complaint received 01/20/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (CT).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I just learned about Navient being sued for cheating borrowers and having read the complaints, I fit the description. Originally, I just thought this was just how student loans were so I thought it was the norm. Navient has done the following that was either misleading, inaccurate, or just plain ignoring me : 1 ) I sent several emails through their self-service contact form, but never ever received a response back, phone support denied that any were ever sent, but you have to be logged in to submit the contact form. Unfortunately, I have no proof that I submitted the contact forms since they do n't send you email confirmation or show a form # when submitted. Just that it 's submitted. They have no listed contact emails and their only emails are no reply emails. 
2 ) Phone support lied and gave me inaccurate information from their website in their FAQ section. I graduated in XXXX of XXXX, so my grace should 've ended in XXXX depending on the loan, which they were based on their website. But when the time passed, I saw online that it was pushed to XXXX XXXX without any notice or indication that there was a change. I asked about it and they did not give me answer other than the grace period is what it is and was not changed as it is based off your graduation date. Grace is clearly 6 months, so how is it possible that grace period was pushed another 6 months when my graduation date is easily fact checkable and verifiable. They obviously wanted to pull the wool over my eyes so I would keep paying the minimum so they could accrue more interest. 
3 ) Due to the high loan interest and recently having a daughter, the impending monthly payment was going to be too much though this was before I found out that grace period was pushed, but I called to see if I could look into rate reduction. They said I can only claim forbearance if myself and co-signer call for bankruptcy which sounded ridiculous since their website says there are options to help you, not make things worse. The next day, I get an email that my request for a new repayment plan was denied, but I never requested a new repayment plan, I just wanted to inquire. I did not consent to applying to anything new. 
I am so glad someone is looking into them because for years I thought this was just the norm and to XXXX it up, but I 'm glad I 'm not the only one being wronged by this company and that action can be taken. To reiterate, I have been misled, misinformed, lied to, and ignored by Navient.

Company response to consumer: Closed with explanation
Consumer complaint received 05/24/2016 about Debt collection (Medical) with Phoenix Financial Services LLC (CA).
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint: Collection agency called me at work and my cell phone in an attempt to collect a debt. When I asked them not to contact me at work as it is prohibited, they told me they would continue to do so. They have my cell phone number and can contact me via that method. The representative said then threatened to put this on my credit, to which I stated it already was by another collection agency. They wanted me to set up payment arrangements for this debt, I said I could not do anything at this time. They said they would mark it down as a refusal and hung up on me giving me no options to make any arrangements in the future.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08-06-2015 about Debt collection (I do not know) with CAPITAL ONE FINANCIAL CORPORATION (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: A Debt Collector called me and informed me I was late on my line-of-credit payment. I had no clue what she was talking about. I finally concluded that a checking account and a line-of-credit was opened in my name in a Sate I lived 20 years earlier and decided to no longer make payments. 
I could n't verify account info, because I had no knowledge of these accounts in the first place. I was assured that Fraud Protection would get ahold of me, but after 2 months I still have n't heard a thing. I 've made repeated calls back to get a phone number for them, but was told they ca n't. My credit Score has plummeted from the XXXX to the high XXXX - sole because of this issue. 
I have tried calling the Financial Institution directly from my Credit Report, but they insist the debt is mine. They will not furnish me with details on who has been receiving the account statement, how long they 've been making payments or what the actual account numbers are. 
I am at a loss here. I pay my mortgage on time, I pay my car payments and credit cards on time, every month and this account pops up and is wrecking my life. It does't even pass the logic test. 
Someone must be able to furnish me with more info - and someone needs to rectify this account on record.

Company response to consumer: Closed with explanation
Consumer complaint received 11/14/2016 about Bank account or service (Checking account) with PNC Bank N.A. (MO).
Issue: Account opening, closing, or management

Complaint: I opened a checking and savings account with PNC in XXXX XXXX when I began working for a company called XXXX in XXXX MO. I had my payroll check automatically deposited into my PNC checking account. In XXXX XXXX, I closed both my checking and savings account with PNC, and on Thursday, XXXX XXXX, PNC sent my my final bank statement and I was surprised to see XXXX accounts that I had NOT opened in my name, A Premiere Money Market Statement and a Interest Checking Statement with a different account number that I had with PNC- ( all docs are attached! ) The XXXX account that I was familiar with was my checking/savings account that ended in : XXXX The money market account that I DID NOT OPEN OR AUTHORIZE ends in : XXXX The Interest checking account that I DID NOT OPEN OR AUTHORZE ends in XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 07/17/2017 about Checking or savings account (Checking account) with WELLS FARGO & COMPANY (TX).
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint: Someone walked into a WellsFargo Bank at   XXXX   XXXX   XXXX     XXXX , TX on  XX/XX/XXXX  and changed my debit card pin and withdrew {$900.00} from my account.
<P/>
My apt was broken into and my debit card was home and they went to the bank and withdrew money. I reached out to the bank and they basically denied my claim and said that it was nothing they could do. They told me I probably allow this person to withdraw money from my acct.

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 02-07-2018 about Debt collection (Private student loan debt) with ACS Education Services (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: ACS/Conduit seem to be lacking in communication with their debt collection department, XXXX XXXX. I receive multiple phone calls from XXXX XXXX regarding debt that i have already paid. It is time consuming, it is bothersome and it is harassment. I also worry about their reporting tactics and if they are accurate when reporting my payment history to credit beuraus. ACS is unorganized, uncommunicative and make paying back my debt very difficult. Private loans like this and XXXX, need to have the same protections as federal student loans. These companies operate like scam companies. Please fix it!

Company response to consumer: Closed with explanation
Consumer complaint received 10/28/2016 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: This is a debt for XXXX XXXX and should not be on my credit report. They coninue to call my cell phone after I have told them not to call that number.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/21/2016 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (SC).
Issue: Problems caused by my funds being low

Complaint: I have been a client of Wells Fargo for over 10 years and just received I have noticed some unfair business practices in comparison to my other banks. I have a checking account and debit card associated with my account. For the past few months I have noticed that Wells Fargo will hold transactions until close to midnight. This has happen ago on XXXX. 

I had a total of {$30.00} in my account Wells Fargo, I had a check ( dated for XXXX ) post to my account late on the XXXX. I did not receive my " account notification '' of this posting until XXXX. I immediately transfered money over, and Wells Fargo again posted a {$35.00} overdraft fee on my account at XXXX. 

This year alone I have paid over {$730.00} due to these practices. My previous complaint result in only a {$280.00} refund of these fees. And again When I spoke to someone about my concerns they explained that transactions post when they occur, which has NOT been the case for my account and i have even requested for an email to be sent when my account goes under {$50.00}. My notification came hours later! 

I also have a XXXX XXXX XXXX and XXXX account and I have never experienced them holding transactions until close to close of business. My transactions posted shortly after I use my card and any ACH cards are posted earlier in the day. Which, if over drafted, I have to opportunity to make cash deposits that post immediately.

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 12/29/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with I.C. System, Inc. (AZ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: This debt was paid and this inquiry was removed from my credit report. It now shows back again on my credit report. This information is inaccurate due to debt being paid already and I have proof of snap shot picture on my phone showing this is paid and was removed from my credit. I can and will supply proof of this.

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 12/13/2017 about Debt collection (Medical debt) with United Revenue Corporation (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: UNITED REVENUE CORP a debt collector for XXXX  XXXX XXXX is reporting a debt on my credit that I do not owe. The reporting of this debt is a violation of the FCRA and FDCP act

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation