milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09-11-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with WELLS FARGO & COMPANY (MA).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint: Received offer for {$6000.00} Line of credit @ 0 % interest for 18 months. 3 % Balance transfer. None of my transfers are going through because none of my transfers are being paid. However my balance on my transferred account is showing only {$900.00} is available at this time even though the account was originally {$6000.00} This is the work of WELLSFARGO.

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 05/18/2017 about Vehicle loan or lease (Loan) with TOYOTA MOTOR CREDIT CORPORATION (AK).
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint: I called for a due date change, then a few days later I received a collection call I was 2 payments past due when I have not even had the vehicle for 2 months. I spoke to repersentitive and stated they can only receive calls and can not place calls out. I have a job and had to take 15 minutes of unscheduled leave due to this issue. I wanted to know also how has this affected my credit report?

Company response to consumer: Closed with monetary relief
Consumer complaint received 10/28/2015 about Mortgage (Conventional fixed mortgage) with M&T BANK CORPORATION (NY).
Issue: Loan servicing, payments, escrow account

Complaint: Mortgage loan has been resold a number of times especially since the 2008 financial melt down. Request was made numerous times to remove the homeowners insurance from the escrow. After having no response, telephone contact was made at which time the bank refused claiming that they purchased the noted with the insurance in escrow and it must remain in escrow for the life of mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 11/19/2016 about Credit card () with AMERICAN EXPRESS COMPANY (CA).
Issue: Other

Complaint: Went to buy my son a car for his XXXX Birthday and they told me I had a XXXX score when I knew I had a XXXX score. 
Beknownst to me American Express had reported an account that was not one of my personal American Express accounts ( see attached ). 
Therefore I immediately contacted the credit bureaus and disputed this bogus XXXX delinquent/ in collection/ charged off, reported account. Then American Express responded to the credit bureaus dispute ... that not only that this XXXX account was accurately being reported but added another derogatory XXXX delinquent/ in collection/ charged off, reported account. XXXX, I 've had personal accounts with American Express since XXXX and NEVER been late with them let alone not paid them. Therefore please look at these XXXX accounts and how they are being reported. The obvious issues are as follows : # 1 = opening dates XXXX XXXX and XXXX XXXX, Lastly : # 2 = First reported dates XXXX XXXX and XXXX XXXX. So, for 10 and 8 years I 've never known or been reported to having these XXXX accounts, hmmmm????, enough said. PLEASE HELP! 
*This last week ... NEVER hearing from American Express about these XXXX bogus debts beside their reporting to my credit I received the " attached '' collection notice regarding that first XXXX derogatory account and again, " I 've never heard from American Express '' about these XXXX bogus accounts. I 'm truly perplexed especially because I have so much personal positive history with my legit accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 07/30/2016 about Credit reporting () with Experian Information Solutions Inc. (GA).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I have filed multiple disputes regarding information regarding XXXX XXXX XXXX, XXXX XXXX and XXXX and that is reporting on my credit report and Experian has failed to provide any verification that the information was correct, the damaging information remain on my credit report. I have contacted the creditors as well as Experian to correct the information without success. I do not feel that Experian is investigating the disputes. I feel this is unfair treatment and dishonest treatment in regards to customer service

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 10-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have submitted to TransUnion on XX/XX/XXXX a fraud affidavit and police report that someone used my name to go to XXXX XXXX they received it and put a fraud alert in my report. In XXXX, I mailed it in again because now this item along with another medical bill that 's not mine is on my credit report. I also had an account that was deleted because it not mine added to my credit report. The creditor is XXXX XXXX. 


I also see unauthorized inquiries that are on my report that I did not authorize from XXXX XXXX  XX/XX/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 01/14/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Diversified Consultants, Inc. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: Diversified Consultants , Inc . 
XXXX XXXX XXXX XXXX, FL XXXX Telephone : ( XXXX ) XXXX Fax : ( XXXX ) XXXX Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you notify XXXX DIVERSIFIED XXXX or any company associate with this account # XXXX DIVERSIFIED XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : XXXX DIVERSIFIED XXXX or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX XXXX DOB XX/XX/XXXX SS LAST NUMBER OF SS XXXX XXXX XXXX FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 12/26/2015 about Bank account or service (Checking account) with U.S. BANCORP (MO).
Issue: Problems caused by my funds being low

Complaint: I signed up with a credit counseling agency to get my debt under control. One of the agency guidelines was to closed my current checking account and open a new one so debtors could get access to my account while the agency was undertaking negotiations. I paid the balance on my checking account to XXXX, and opened a new account with the same bank ( USBank ), and started my automatic paycheck deposits to that new account. But when I paid the balance to XXXX, on my old account, USbank did n't close the account because of pending transactions. I called the service support line and they informed me they could n't do anthing about it until the balance came to XXXX. Because I had several payday loans out, and the bank continued to try and process them as the payday loan companies continuous kept submitting payment request to the bank, the account always had pending transactions. Also, I used USBanks bill pay service. I changed all my bills to be paid out of the new account I opened. The bill pay service continued to try an pay some bills through the old account even though I had cancelled all payments from that account, which led to return check fees. During all this time the returned check fees added up to over XXXX dollars. The bank took over XXXX dollars on my new account to pay those fees. That XXXX dollars was my mortgage, home insurance and car insurance payment. I was not able to make those payments that month. I called the bank branch directly and the person I talked with put a hold on any further incoming payment request which allowed me to finally close the old account. So why could they not do that ( put on a hold ) when I initially paid the balance to XXXX in order to close the accout? With another call they refunded me XXXX return check fees of XXXX each, but said they could n't refund the rest because I did n't call earlier. But I called there service support line twice and each time was told there was nothing they could do. I live paycheck to paycheck and losing over XXXX set me back on many payments on multiple accounts. I cancelled my registration with the credit couneling service because after 30 days after registrating with them, they still had not started negotiating with my creditors, and I filed chapter XXXX bankruptcy. I was trying not to file bankruptcy, but with USBank confiscating over XXXX dollars in return check fees plus the XXXX dollars in fees I paid to close the old USBank account, I did n't see any other way to get my debt under control. I feel USBank could have put a hold on processing any other payment request to my old account when I paid it to XXXX. I then could have referred those debtors to the credit counseling agency I signed up with to negotiation settlements.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06-03-2016 about Credit card () with CITIBANK, N.A. (CA).
Issue: Billing disputes

Complaint: I contracted with a photographer in XXXX XXXX ; the photographer validly billed me on XXXX XXXX, XXXX, via my CitiBank card. I paid my Citi card bill on XXXX XXXX, XXXX. In XXXX, the merchant submitted a duplicate charge. I contacted the merchant ( by email ) and they agreed to reverse the charges. Something went wrong with that process ( the merchant claimed they submitted the reversed charge, but it did not come through ). I contacted Citi by phone and initiated a charge dispute, explaining all of the above. They sent me a form to complete " if providing additional information '', I did not have any additional information they would need, so I did not complete the extra form. They closed my dispute saying I had failed to provide the form. I contacted them AGAIN and read the wording to them that clearly says the form is only required when submitting additional evidence or information. Citi claimed however that the form is " required '' by regulation, and that I had to restart the dispute. I did this under protest, and they reversed the charge. However, since that time, and despite having emails from the merchant saying that the second charge is invalid ( a duplicate ), Citi has failed to resolve the dispute and continues to re-apply the charge, requiring me to continue disputing it over and over again. Citi is providing information from a third party ( XXXX the POS processor used by the photographer ) to claim the charge is valid. However, they are providing proof of ONE valid charge ( which both I and the merchant agree is the valid, initial charge ) and they have never been able to provide proof that the second charge is valid. Regardless of this, they keep posting the charge with each statement cycle, requiring me to keep disputing it. In my most recent dispute of the charge, I 've demanded that they permanently reverse the charge and do not post another. However, I am contacting CFPB to register a complaint about their handling of the dispute. They invalidly closed my initial dispute ; have taken far in excess of 90 days to resolve the matter ; and have accepted responses and " proof '' from a third party without ever contacting the merchant. They communicate with me by email but insist that I complete hard copy forms and fax them or scan them, and then indicate that my proof ( correspondence from the merchant ) is insufficient to overcome the proof they have on file ( evidence of only the single, valid charge ). I 've spent so many hours disputing this against my credit card company, when the merchant themselves admitting the second charge is invalid.

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 08-10-2016 about Debt collection (I do not know) with SYNCHRONY FINANCIAL (NY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have been contacted several times by phone by XXXX XXXX to collect a debt that is NOT MINE. This person who owes has the same name, but not date of birth or social security number. I have already confirmed with XXXX person I spoke with and they verified through my DOB and SSN that I am not the person they are looking for and they informed me that they would take my name off the list and not call again. HOWEVER, THEY KEEP CALLING DESPITE THE FACT THEY HAVE VERFIED THE DEBT IS NOT MINE AND SAID THEY WOULD STOP CONTACTING ME.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/27/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: I test drove a truck and while I was gone XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX ran many credit checks without my knowledge to many creditors. XXXX has corrected this error but TransUnion and possible other credit bureaus have not as of this date corrected the inaccurate information. Upon returning with the truck the salesperson pressured us with a guarantee of a loan and at this time we did not realize our credit had been checked by so many creditors already. The points against our credit has hurt us several times. Those include - all for the date of XXXX XXXX, XXXX : XXXX, XXXX XXXX XXXX XXXX, XXXX , XXXX XXXX ( XXXX ) XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX ( XXXX ) XXXX ; XXXX XXXX XXXX XXXX XXXX, XXXX XXXX , XXXX XXXX ( XXXX ) XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX ( XXXX ) XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX ( XXXX ) XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX ( XXXX ) XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX ( XXXX ) XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX ( XXXX ) XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX ( XXXX ) XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX ( XXXX ) XXXX. I would like to clear this up with all credit bureaus even though I understand this should fall off in XX/XX/XXXX I have been fighting this for almost a year. I appreciate all help you can render. Have a wonderful day. XXXX XXXX ( XXXX ) XXXX XXXXXXXXXXXX

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 01-12-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with NELNET, INC. (MO).
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: I had a total of ( 3 ) three student loans. According to my credit reports they are showing ( 6 ) six student loans, which makes it look as if I owe way more than I do and also shows late payments with all of them. All ( 6 ) six of them are showing different data with each credit bureau. I have disputed the loans for incomplete/inaccurate data. The credit bureaus just keep coming back as updated information. Nothing changing, Still showing ( 6 ) six student loan accounts when there were only ( 3 ) three. There are three ( 3 ) listed with Dept of Ed/Nelnet and, three ( 3 ) listed with US Department of Education. The two different named sets of companys are both reporting the same three ( 3 ) accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 07/23/2015 about Credit card () with Atlanticus Services Corporation (CA).
Issue: Identity theft / Fraud / Embezzlement

Complaint: XXXX XXXX XXXX XXXX placed a publication on a non local check and its availability. The check returned and a police report had not been filed for the incident until XX/XX/XXXX. The bank returned all credit card payments in this case Aspire visa. Aspire Visa payment was returned on account at that time local authority 's would not allow a police report to be filed. XX/XX/XXXX a fraud report was taken by the police department. I would like the debit of the credit card corrected. In this case of Aspire Visa in which to a law suit was conducted or the credit card company was a law settlement and for XXXX of the XXXX credit cards a XXXX was filed in debit forgiveness. I have XXXX other Aspire Visa VIP credit card that no legal notice for it has been corrected to my knowledge. I have mailed Aspire Visa letter after letter. All they had sent in return before the police department filed a police report was a debit collections deduction. Wherefore the Police departments police report was filed on account of an identity theft indicator placed by the IRS. XX/XX/XXXX-XX/XX/XXXX:

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 10/19/2017 about Debt collection (Medical debt) with LJ Ross Associates (MI).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: It has been brought to my attention on XX/XX/XXXX after I had reviewed my own credit report which I do about twice a year. There had been a collection acct in the amount of {$110.00} acct : through LJ ROSS ( original creditor : XXXX XXXX XXXX XXXX ). I was never properly notified of this neither by phone or mail.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/13/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with PDQ Services, Inc. (GA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: My name is XXXX XXXX My Account number XXXX I was a victim of identity theft in XXXX Georgia, I also did three months in XXXX, because someone was using my ID and max out my bank cards and credit cards, I lost my wallet one night when I went out with my friends from college, all my cases were dismissed and I am getting reimbursed, now Im trying to fix my credit

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 12-07-2017 about Debt collection (Credit card debt) with Financial Credit Service, Inc. (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: XXXX XXXX made initial contact on XX/XX/XXXX left a message, I returned call she threatened me with wage garnishing, jail, and quoted an outrageous amount owed of some crazy amount from XX/XX/XXXX. I never owed that on any credit card in my life. I had my card stolen and the charges were taken off is the last thing I remember about that card. this is a scam and they are trying scare tactics and calling my office and threatening to garnish my wages with no proof of the debt. when asked for proof of this debt he changed the subject. I am reporting this because it reminds me of the irs calls I was and still am getting threatening me with going to jail and levying my bank account, etc. I am very upset and would like some help with this matter. thank you

Company response to consumer: Closed with explanation
Consumer complaint received 06/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Navient Solutions, LLC. (RI).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Hello, On  XXXX / XXXX / XXXX , I was trying to settle my charged-off student loans with Navient ( formerly  XXXX   XXXX  ). Because the of the account status,  Navient  would not speak to me directly and my calls were automatically forwarded to  XXXX   XXXX   XXXX  (  XXXX  ), their third party debt collection agency. On that date, they offered me a {$18000.00} cash settlement to close out the account, which I was unable to pay so they agreed to monthly payments in the amount of {$250.00}. On  XXXX / XXXX / XXXX , after making all my payments on time, every month, with no issue, I had saved enough to settle the rest of the account and called  XXXX . I spoke with  XXXX   XXXX , a manager, who assured me that if I paid the {$14000.00} that my account would have a {$0.00} balance and Navient would update my credit reports. So I paid the {$14000.00} and was provided a reference number of  XXXX . I received the settlement offer and a {$0.00} balance letter in writing showing that my account was settled in full. I let a couple months go by and my reports are still not updated. I submitted disputes to all  XXXX  credit bureaus on  XXXX / XXXX / XXXX  and it 's still showing that my account is charged-off, with an open balance, a past due amount and payment terms after the investigations were completed. This is not right. I settled these accounts so I could improve my creditworthiness and now it 's almost as if I never made the payment. I even had  XXXX  re-report that the accounts were 120 days past due on  XXXX / XXXX / XXXX  when I had already settled the account 45 days earlier. Can you please help? I do n't know what is happening.  XXXX  had to get approval from Navient to settle on the account so I do n't understand why they are not updating all of my reports.     I 'm attaching the settlement offer as well as the {$0.00} balance letter for your review.

Company response to consumer: Closed with explanation