milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I incurred a charge off account with  XXXX , it was turned over to collections to  XXXX .This account is showing on my credit report as being open, it was closed in   XXXX .This co mpany is adding interest in to this account, to increase the amount on my credit report to further damage my  credit score. T he beginning balance was approx. {$410.00}, they have increased it to {$590.00}, and added another {$48.00} to it recently.   I have filed a complaint with  XXXX , and nothing has been done.

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 09/22/2016 about Credit card () with BBVA COMPASS FINANCIAL CORPORATION (ND).
Issue: Payoff process

Complaint: ). My work requires credit verification at times to gain employment for security reasons. The law at the time of XXXX to XXXX allowed any potential employer to conduct credit reports, and each time this occurrs the possibility of my credit score being affected adversely. So, I knew this was vital to my future success and would hurt my personal financial productivity. My creditworthiness was placed in extra focus ( XXXX ) because of the Small Business Administration ( SBA ) services I was using. I got my credit report annually. Especially in XXXX and XXXX to disprove the claim made by COMPASS BANK - CREDIT CARD XXXX XXXX AL XXXX, phone number ( XXXX ) XXXX, partial account number XXXX ...., dated XXXX of 30-day late payment made via a bankdraft. I was told there is no proof of payment, the mark on my credit report will not be removed, and file a complaint. 
In the upload your CFPB service provides. I have documents of this matter to you for the years XXXX to XXXX in chorological order. You will find all proof of payments via the Federal Reserve Bank Check Image Retrieval showing when the funds arrived at BBVA Compass. Some of them are stamped 'VOID '. Why was n't the Credit Card ACT followed by BBVA in this matter? I would like to get back the money charged to me for late fees during this time. In XXXX XXXX I inquired about this account concerning an error on my bill. BBVA Compass Bank would not talk about the details of the matter at hand or the account 's history. I followed up with a letter dated XXXX XXXX, XXXX. This was in reply to the XXXX XXXX, XXXX letter sent to me. At this point in time had ten cycles of six months minimum payments made to request the APR to be removed from this status so I can pay off this debt. I was never over 60 day past due. Please look at XXXX action taken by BBVA, the XXXX Credit Reports dated XXXX XXXX and XXXX XXXX, XXXX for the XXXX and compare it to the XXXX Credit Reports dated XXXX XXXX, XXXX and XXXX XXXX, XXXX for the XXXX period. They are different. The later reports ( XXXX and XXXX ) were used by them to justify the action. My case never went into debt collection. I was receiving updated credit cards during the years, and I had purchasing rights see XXXX XXXX billing statement. Please evaluate my case in regards to the Credit Card ACT and FEDERAL RESERVE SYSTEM 12 CFR Part 226 [ Regulation Z ; Docket No. R-1370 ] See 226.9 ( h ) ( 2 ) ( i ), ( h ) ( 3 ) ( ii ) .Truth in Lending Law.

Company response to consumer: Closed with explanation
Consumer complaint received 10/26/2015 about Credit reporting () with EQUIFAX, INC. (AZ).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I have disputed this item several times with all XXXX credit bureaus and they have not updated information. I would like this deleted from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 09-02-2016 about Credit reporting () with EQUIFAX, INC. (NC).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: I have been trying for the last 2 weeks to obtain an SSI Statement so that I may start the process to file for SSI insurance. However each time I try to access the system I am rejected due to incorrect information. I spoke with SSI and was told that he information used to verify my identity is done through Equifax and was given a number to reach someone there never the less all I kept getting was an automatic system which was no help. I went online to obtain a number for Equifax so I could speak with an customer service agent and I got someone name : XXXX who basically tells me my name is incorrect even though on my credit report I get from them I can see my name listed as though it is an fraud. I was married in XXXX and had my last name changed legally all documents Social, ID, tax returns, home lease, utilities, and employment are under my marriage name. But since Equifax has not updated the information and this is one of the main credit bureau that companies use it is like I am using fraudulent information. I was told that my information would not be changed until I submitted information to them but when asked for the address after having to request to speak with a supervisor who I was told would not speak to me I was given the following address : Equifax XXXX, XXXX XXXX Ga XXXX the correct address listed online is Equifax Credit Information Services , Inc XXXX. XXXX XXXX XXXX, GA XXXX .Maybe it is me but it seems as though there is some information missing from this address I repeated and asked at least 3x times if this was correct. I feel like the way the customer service agent handles calls was definitely not correct. The incorrect information which is listed for me is affecting paperwork which I need to have submitted. Also the fact that the supervisor was eager to get off the phone rather than assistant me with finding out how to get all my information updated correctly makes me feel really worried. I have seen a couple of things listed on my credit report concerning auto loans which I know I have not applied too or for. The last time I applied for an auto loan was in XXXX so I do n't know who I can speak with concerning this matter either all the other credit bureau handles these matter quickly, but not Equifax. I need Help

Company response to consumer: Closed with explanation
Consumer complaint received 10/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: My Name is XXXX XXXX XXXX XXXX I been resiving, Notification of my credit report About i quieries i dont recognized those inquieres, i dont apply for those account, or business, i contact both parties, they dont help Im trying to fix my credit and with this issued is goin to be a disaster, if this keep goin on, I only have XXXX credit card, no loans or nothing else i dont need no more credit, I have XXXX  XXXX, XXXX, XXXX 
No need more.. please Help me.. 
I think im victim of identity theft.

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 01/18/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: Back when Navient picked up my student loans last year from my previous lender they improperly applied my existing payments ( I was six months ahead ) to their loans and then told me I was behind in payments and they were going after my credit if I did n't pay. This forced me to pay early, which I could afford, but was definitely intentional on their part as I spent hours on the phone with their customer service providing written evidence of proof of previous advanced payment. They refused to change my payment due date to the correct advance date even when faced with indisputable evidence of my payment history. I had assumed they were just incompetent and gave up fighting them, but when I saw the news article this morning that the CFPB was filing a lawsuit I realized I was n't alone and this was systematic and intentional. I wanted to add my story to the pile.

Company response to consumer: Closed with explanation
Consumer complaint received 11-01-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Rose Agency Inc. (MT).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I was trying to co-sign on a loan with my son. The bank loan officer said my credit was bad because of a debt collection from The Rose Agency. The debt was apparently from XXXX XXXX. When I call XXXX XXXX they have no account for me. When I call The Rose Agency they say they have tried to get confirmation from XXXX XXXX XXXX times. No one answers their requests. Neither company will do anything to take care of the matter. The Rose Agency person hung up the phone on me. My husbands account was absolved and that is the only communication that I have. No bills from either company. I finally got some information from the Rose Agency but XXXX XXXX did n't have any information. The Rose Agency says I have a bill from XX/XX/2011 and that I had XXXX Service for 3 months with an early termination. Also they say no payment was ever made. After five phone calls they gave me more information. An account number, a telephone number that I had at that time, which was XXXX and an amount owed of {$500.00}. XXXX could not find any of this information. Why does The Rose Agency have this information and not XXXX XXXX?

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 10/23/2015 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (FL).
Issue: Problems caused by my funds being low

Complaint: Numerous overdraft and insufficient funds fees per day over the life of my account

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06-05-2015 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint: XXXX XXXX XXXX reported a late payment in XXXX 2013. I sent them proof of payment and they refused to remove the late. Sent the XXXX bank statement, showing payment, to Experian, they sent it to XXXX, and again they refused to remove the late. 
They should be fined, forced to correct, and punished.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2015 about Credit card () with PAYPAL HOLDINGS INC. (CA).
Issue: Unsolicited issuance of credit card

Complaint: PayPal extended me a line of online credit without permission and put out an inquiry into my credit history, resulting in a lowered credit score. At no time did I give PayPal permission to extend me credit or to run an inquiry into my credit history. I believe this to be fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 03/30/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: Transunion has reported XXXX public records on my credit report. XXXX Chapter XXXX bankruptcies and XXXX judgement. I have verified with the XXXX Court and the XXXX court that they do not report to the XXXX major credit bureaus. Transunion has pulled this information from a 3rd party and therefore must be deleted.

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 03/14/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (OH).
Issue: Getting a loan
Sub-issue: Can't qualify for a loan

Complaint: I had a really hard time finding a job out of college and Navient exploited the situation. They continued to say that I did n't qualify for forbearance or deferment because I used everything up while in school. They then would not allow me to enroll in income based repayment saying that my loans were n't eligible. I have over a years worth of late payments, around 75 because they reported each loan individually so I was late 11 times each month. I can not get out of my parents ' house now. Rent is too much and a bank will not loan me money for a $ XXXX house due to the late payments from Navient. They ruined my life over me not being able to find a job that would pay me enough to pay them what they wanted. On top of that, they take the minimum amount of money and apply it to my loans with the lowest interest rate. My loans with the highest interest rates barely get anything applied to them. Every year my principle balance goes up and I pay half my pay every month to them. I will never get my loans paid off at this rate.

Company response to consumer: Closed with explanation
Consumer complaint received 05-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MD).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Hello CFPB, I 'm writing today to report issues with  XXXX  accounts negatively reporting on my   XXXX   and Experian credit reports. As well as a number of hard inquiries that were not authorized by me. I have submitted several request to both company 's to investigate these accounts and inquiries. I requested proof in the form of a signed agreement however in both cases my request were ignored. Their responses were that the investigation results were confirmed providing no information or documentation of proof to verify their claims.     The company 's I submitted investigation request to were Experian and  XXXX .     For accounts being reported by  XXXX   XXXX   XXXX  and  XXXX   XXXX   XXXX .     The  XXXX   XXXX   XXXX  account reflects that I owe a  XXXX  balance however it states that I have  XXXX  missed payments and that I am 140 days past due. This unverified information is severely hurting my chances of obtaining a mortgage and is wreaking havoc on my financial reputation.       XXXX   XXXX   XXXX   on the other hand is n't reporting any payment history at all however it is reporting a charged off balance in the amount of {$1000.00}.     I have disputed these debts a number of times however I 've gotten the same out come each time with no proof. I honestly just want it to be over. Attached are copies of the certified mail receipts of the documents I 've sent over the past 9 months or so to no avail.

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 03/18/2016 about Mortgage (Conventional fixed mortgage) with Seterus, Inc. (CA).
Issue: Loan servicing, payments, escrow account

Complaint: between the months of XXXX XXXX and XXXX XXXX, my mortgage principle balance has gone up XXXX ... why? every month I see " other charges '' of anywhere between $ XXXX {$800.00} but never an explanation as to what these " other charges '' are. I 've also asked for a copy of the initial documents I signed detailing all the charges and particulars of my loan. I 'm told Seterus does not have them so oh well ... no documents for me and no way to know if what they are charging is within the detailed loan specifications or not. How can they just create charges with no type of explanation at all. Most of the loan agents are curtious but really know very little pertaining to your loan at all. Some of the agents are just straight up bullies.

Company response to consumer: Closed with explanation
Consumer complaint received 07/24/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with AMERICAN EXPRESS COMPANY (FL).
Issue: Closing your account
Sub-issue: Company closed your account

Complaint: The account was closed on XXXX XXXX, 2013 with a balance of {$0.00}. Now 4 years later the company call me daily and harassing me with a debt I do n't own. I received letter for settlement agreement for an account closed with XXXX  balance on it as he show on my credit report. I have to blocks all income numbers from XXXX and unknown.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/27/2016 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: Date : XXXX/XXXX/XXXX To Whom It May Concern : Equifax XXXX XXXX, GA XXXX Please take notice on this date, the nature of this letter is to request the removal of the fraud alert on my I am not able to access my credit file my public information is missing personal credit reports is nowhere to be found please update my correct address Address : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX I have been living there since XXXX/XXXX/XXXX If you do n't initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which I 'm sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 

I look forward to an expedite resolution of this matter Thank you. 

EQUIFAX XXXX XXXX/XXXX/XXXX XXXX AM NO XXXX XXXX INQUIRY INFORMATION IDENTIFIED AS FRAUDULENT BY CONSUMER - REPORT NOT AVAILABLE Name : XXXX, XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX since XXXX/XXXX/XXXX Please update my phone number to my public record Home Telephone Number XXXX I have also included the following minimum XXXX ( XXXX ) proofs of my current mailing address Sincerely, Name : XXXX, XXXX XXXX SEC # XXXX DOB XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX

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: Equifax was so incompetent that it did n't safeguard my info well enough and got my info stolen along with 143 million people.

Company response to consumer: Closed with explanation
Consumer complaint received 09/18/2015 about Consumer Loan (Vehicle loan) with ALLY FINANCIAL INC. (DC).
Issue: Managing the loan or lease

Complaint: over the last 11 months I have made various payments and specifically requested that they go towards PRINCIPAL ONLY. The lender Ally bank has refused to comply and gives me the extreme run around. Keeping on the phone for 20-30 min, telling me a supervisor will call back and they never do. My current balance is listed as XXXX when it should only be around XXXX. Which is what the issue has been incorrectly applying my money where I want and need it to go. I should n't have to go round and round with XXXX reps over less than a 7 day time frame

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/15/2015 about Credit card () with U.S. BANCORP (MN).
Issue: Customer service / Customer relations

Complaint: LONG STORY SHORT : UPON CALLING US BANK WHEN NOT RECEIVING STATEMENTS FOR MY CREDIT CARD, I WAS ADVISED MY ADDRESS WAS CHANGED IN XX/XX/XXXX. I REQUESTED TO CHANGE BACK TO PREVIOUS ADDRESS WHICH IS ALSO ON MY CHECKING ACCOUNT. THIS TOOK XXXX PHONE CALLS AND XXXX DIFFERENT DEPARTMENTS. MY XXXX REQUEST WAS TO GET STATEMENTS FROM THE XX/XX/XXXX DATE FOR MY RECORDS. WHILE ON THE PHONE XX/XX/XXXX IT WAS {$5.00} PER STATMENTS. WHEN I PHYSICALLY WENT TO THE BANK IT WAS NOT {$6.00}. I NEVER INITIATED THE CHANGE AND SHOULD NOT BE CHARGED. 

XXXX ISSUE : IF I NEVER INTIATED THE CHANGE THAT SHOULD BE THE HIGHER IMPORTANCE. 

XXXX ISSUE : I AM NOT PAYING FOR SOMETHING THAT CLEARLY WAS NOT AN ERROR ON MY PART. I WAS TOLD THE CHANGE WAS POSSIBLE A COMPUTER ERROR AS IT WAS NOT EVEN A LEGIBLE ADDRESS WITH ONLY XXXX DIGITS AND NO STREET NAME. 
LAST STRAW WHEN MANAGER XXXX AT US BANK XXXX XXXX XXXX XXXX XXXX XXXX, MN ADVISED ME " YOU DONT BALANCE YOUR CHECKBOOK '' WHETHER I BALANCE MY CHECKBOOK OR NOT SHOULD N'T DETERMINE IF I CAN REQUEST A STATEMENT FOR MY REVIEW IF I DID NOT RECEIVE PREVIOUS STATEMENTS. ONCE AGAIN AN ERROR ON US BANK 'S PART CHANGED MY ADDRESS AND THEY EXPECT ME TO PAY FOR IT.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 05-05-2017 about Debt collection (Auto debt) with TOYOTA MOTOR CREDIT CORPORATION (MA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I am disputing this d ebt collection fr om Toyota Finance Corp for t he following reasons : On   XXXX   2013 I lost my job,  I fell behind in my payments and notified  toyota that I could no longer pay the agreed upon pa yments. I asked if we could work something out and get into a program, I wanted to pay as much as I could until I got another job. I ended up owing them 3 months of payments about 1200.00. They refused to negotiate with me and repossed the car. They added on  XXXX  for the repossession and then started adding on additional chargesto sell the car and transport it to another state. I have no record of these charges. The  XXXX  I owed them became {$4700.00}, they kept adding on charges and interest. I could have had the car almost paid off by now. This was unnecessary on their part, they have ruined my credit f or four y ears and I have tried to come to an arrangement with them. They treated me completely unfairly. They want {$4700.00}, for a car they took from me when I only owed around {$1200.00} originally. That is completely unfair, they have the car and they unjustly charged me. I just want to settle this dispute so it can be removed from my credit rating.

Company response to consumer: Closed with explanation