milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (VA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: XXXX   XXXX   XXXX  showing late payments on  XXXX  of my accounts when in fact we have never been late and have paid extra each month. We have bank statements faxed to them to prove it. We also have monthly statements from  XXXX   XXXX   XXXX  showing no lates during the period in questio n (   XXXX ,  XXXX ,  XXXX  of  XXXX  ). They are using voodoo math and tricks just like  XXXX   XXXX   XXXX  did. ( see FTC vs  XXXX   XXXX   XXXX   ).  They admitted their mistake on the phone. I want the CFPB to investigate  XXXX   XXXX   XXXX  on their business practices on how they report on all their customers to the    XXXX    Credit  reporting agencies. I feel I 'm not the only  XXXX  they have hurt. Their mistake cost me  XXXX  points on my  credit score.    Contract monthly payments are  XXXX . We pay  XXXX /month to help pay the loan off faster. They told me they REMOVED a  XXXX   XXXX  payment since we were paying extra and that caused a " cascading effect ''. You ca n't " remove '' a payment a customer has already paid.

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 07/27/2015 about Debt collection (I do not know) with ERC (SC).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: I keep receiving calls about a debt I have no clue about

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 10-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: My information was compromised with the Equifax Breach and on Friday ( XX/XX/XXXX ), I was told that I could not dispute my inquiries as they are a factual part of my credit report which was false. I expressed my right to dispute any incorrect information on my credit file as I saw fit. He said that he filed a dispute to have the items removed but in a phone call with another representative on XX/XX/XXXX that representative let me know that a dispute was never done. She once again tried to tell me that the information was factual but she claimed to have put in a dispute with conf # XXXX in which I do n't even know if the dispute was actually put in or if I was lied to again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/21/2017 about Payday loan, title loan, or personal loan (Payday loan) with BTH Management (CA).
Issue: Struggling to pay your loan

Complaint: I contacted the collection agency about couple of months ago. I left them a message and did n't received a response back. I called them again during regular business hours and this lady answered the phone. I told her that I would like to take care of my account and that they never contact me after I left them a message. She was not happy with my attitude and hanged up on me. I called back and a receptionist answered the phone call. He keep on placing me on hold and I keep calling back. He then got annoyed and told to send him my email address so he can send me some papers to sign. I told him that all I wanted to do is pay off the loan. I told him that I never had to do this before and he hanged up on me. Last week I tried a different approach. I called the company, XXXX XXXX, that I took the loan from. She said that they could n't do anything because they sold my account. I would need to contact, Plaza Services, which is the collection agency. I tried calling and still be placed on hold. They are giving me a hard time when I am trying to pay off my debts. This collection agency is ruining my credit and it 's wrong. I know I made the mistake and I am trying to fix it. Why give me a hard time when I am trying to pay it. Do n't make any sense.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 04/14/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (NJ).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: I was shocked when I reviewed my credit report and found several late payments on my student loans with the dates below : 180 days past due as of XX/XX/XXXX 150 days past due as of XX/XX/XXXX 120 days past due as of XX/XX/XXXX 90 days past due as of XX/XX/2013 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that this was supposed to be in deferment and it did not get processed correctly or the payments I sent in were not registered.

Company response to consumer: Closed with explanation
Consumer complaint received 11-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (SC).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have a large amount inquiries that I didnt authorize or have knowledge of. My information was leaking and my private information was leaked and since this breach I recently pulled my reports for the first time and was alarmed at all of the hard inquiries that I was not responsible for nor did I authorize. I submitted a police report and the credit bureaus refuse to help. I am aware that reporting fraudulent information on a credit report is illegal. And this is hindering my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 05/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (OH).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: I have disputes with Equifax  three  seperate times  XXXX  tax liens showing on my report. This item was incorrectly assessed at the creditors level. Because the first  two  disputes came back as verified by  XXXX  I did my own research. Verified that this debt was not mine and the issue was resolved at the creditor level.  XXXX   XXXX  did a investigation per my request found the debt to not belong to me and removed it from their files. I started my third dispute with Equifax. This item was removed promptly by   XXXX    and  XXXX . I faxed my   XXXX   XXXX   report to Equifax with my dispute. Equifax stated numerous different things to me such as they verified the debt directly with the lien holder  (  creditor ). Which they did not. I requested in writing how they verified the debt. That statement sent to me by  XXXX  stated it was verified through   XXXX   XXXX  . It was not. Once I received that statement from experian I asked for an updated copy of my file from   XXXX   XXXX   It was still clear of the debt. I have spent well over  20  hours on the phone with  XXXX  to remove this item and they refuse stating that it was verified directly from the source. I called the source of the debt. They stated that they do not communicate with credit agencies directly ever. I asked for verification that the debt was not mine. The creditor stated that it never existed so they could not send me any letter stating that the debt was not mine. Additionally they stated that my record is clear of the debt and should reflect as such. It does reflect correctly with   XXXX   XXXX  . I am in a mortgage closing situation and it is delayed because of this refusal to remove the item. I can not close a mortgage loan with tax liens on my credit. My original close date  was      XX/XX/XXXX . It  is pushed back indefinitely. The owners may recind our contract to purchase. I have been calling actively since the end of     XXXX   2017   but the initial dispute was submitte d two ye ars ago.

Company response to consumer: Closed with explanation
Consumer complaint received 02/16/2018 about Payday loan, title loan, or personal loan (Payday loan) with Advance America, Cash Advance Centers, Inc. (FL).
Issue: Received a loan you didn't apply for

Complaint: Someone took an Advance America account in my name they got a payday loan with my name and I had a fraud alert on my file on my credit report and they went through with it anyway without calling me to verify who the owner was I never got a payday loan with Advance America and they will not help me

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 05-10-2016 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (TX).
Issue: Problems caused by my funds being low

Complaint: Wells Fargo ( or a company purporting to be from Wells Fargo ) robo calls my work number at least five times a day. When I do answer, no one is there. When I attempt to call them back, I 'm put on hold with a recorded message playing and no one picks up. Please stop the robo calls to my job as each call is recorded on my phone record and it does n't look good to my employer. The number they are calling from is XXXX XXXX XXXX XXXX. I had an account with them a few years ago, but they have sent nothing in writing to my home address, nor tried to reach me at my home. They should have all that information in their files.

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 06/17/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Loan modification,collection,foreclosure

Complaint: I AM ATTEMPTING TO AVOID A FORECLOSURE SALE. MY SERVICER, BANK OF AMERICA, HAS INVITED ME TO APPLY FOR A DEED-IN-LIEU PROGRAM. I AM PROCESSING THAT RIGHT NOW. BANK OF AMERICA HAS SCHEDULED A FORECLOSURE SALE FOR XXXX XXXX, 2014 AT THE SAME TIME THAT I RECEIVED THE INVITATION TO APPLY FOR THE DEED-IN-LIEU PROGRAM. BANK OF AMERICA NOW CLAIMS THAT THERE IS NOT TIME TO APPLY AND OBTAIN APPROVAL FOR THE DEED-IN-LIEU. THERE IS NOT ENOUGH TIME BECAUSE BANK OF AMERICA HAS NOT POSTPONED THE FORECLOSURE SALE.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/16/2016 about Consumer Loan (Vehicle lease) with ALLY FINANCIAL INC. (PA).
Issue: Taking out the loan or lease

Complaint: I leased from Ally a Hummer from XX/XX/XXXX to XX/XX/XXXX. Towards the end of my lease [ I believe about 2 months before ] I took the vehicle to XXXX XXXX in XXXX, PA to attempt to purchase the vehicle. My contract allowed me to purchase the vehicle. XXXX said that the windshield was broken and it had excessive miles. They agreed that if I purchased the vehicle then the excessive miles was not a factor. So I left and I then had the windshield replaced. I then took the vehicle back to XXXX XXXX to purchase the vehicle per the terms of my lease. XXXX then refused to allow me to purchase the vehicle. I then left and telephoned Ally. Ally said they would extend the lease and allow me to contact XXXX to attempt to purchase. XXXX again refused to allow me to purchase the vehicle. The payoff on the vehicle was only {$16000.00} more or less which was far less than the value of the vehicle. I believe that they wanted my vehicle so that could then sell the vehicle for its true fair market value of {$24000.00}. They then charged me for a cracked windshield [ which I had fixed ], a non existent roof debt, an alleged tear in the interior headliner and excess mileage. XXXX XXXX and Ally failed to comply with the terms of the lease and refused to allow me to purchase the vehicle. I believe XXXX XXXX sold the vehicle for substantially more than I owed and did not allow me to mitigate my damages. I believe I do not owe them any money. They have not sued me, I wish they would so that I can prove that I do not owe them any money. What they have done is report this alleged debt on my credit report. I want them to remove this from my credit report.

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 01-05-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CAPITAL ONE FINANCIAL CORPORATION (KS).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XXXX client, XXXX XXXX is a victim of identity theft. He was notified by Capital One bank of a fraudulent application submitted with his information without his consent. The application resulted in an inquiry with XXXX, XXXX and XXXX XXXX/XXXX/XXXX which was not authorized. An official dispute of this was sent to Capital One XXXX/XXXX/XXXX however ; Capital One mailed my client a letter informing him this office 's investigator was added as a POA to the account of dispute. First, this office and our client never disputed an actual account, we were disputing a fraudulent application that left an inquiry and second Capital One has asked the POA to provide proof of their capacity by providing person financial data and information not required under any consumer law. 
All of these actions are gross violations of federal consumer laws.

Company response to consumer: Closed with explanation
Consumer complaint received 05-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: Equifax lists a public record judgement on my credit file as  XXXX  as reported as of  XXXX    XXXX  . I have no knowledge of this public record and it has not been reporting on my credit report. I have lost points from my credit score because of this reporting and it is damaging my report and hindering me from obtaining credit. Please remove this public record.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/19/2016 about Credit card () with CITIBANK, N.A. (OH).
Issue: Other fee

Complaint: CITI card system failed to withdraw money from my payment account and resulted return check fee. The payment account info was correct and had enough money. CITI failed to explain what happened and refused to refund the fee that was incurred because of their system failure.

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 09/18/2017 about Checking or savings account (Checking account) with REGIONS FINANCIAL CORPORATION (LA).
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint: I disputed nearly {$34000.00} dollars worth of Fraudulent and or unauthorized charges at the end of the month of XXXX 2016 that were made on my Checking Account leaving me and my family with {$73.00} dollars.I went into the bank when my debit card was denied from a purchase i was attempting to make.I signed all supporting documents, provided a police report and the documents were sent to card services at Regions Bank.I was denied very quickly with a letter that was mailed to me stating false and irrelevant information regarding my claim.I attempted to contact the department that denied me and was unsuccessful.My Tax return was in my account at the time also along with nearly my entire Workers Comp Settlement Check in which i opened the account with, I have been ignored from every federal complaint I 've made online since my claim was denied.The Fraudulent activity that occurred on my account has ruined my life, my Marriage and separated me from my children leaving me unable to pay my bills.Can someone please help me with my claim because I am a victim of Identity Theft and also this is the second time in 8 years this has happened to me and my family, 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 06/16/2015 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (WA).
Issue: Loan servicing, payments, escrow account

Complaint: I refinanced my home to get away from Bank of America due to their poor customer service ( previous complaint filed by me through this service ). Due to the processing time with closing, I went ahead & made a payment to avoid any 30 day late reporting to the credit bureaus. Payment would have been received by BofA on or about XXXX XXXX. I called on XXXX XXXX to make sure they had received the payment and asked when my refund would be processed ( the XXXX payment plus some escrow balance ). They originally advised with would take a couple of weeks but I was able to get someone to get special authorization to release the escrow funds early and the check ( in excess of {$1100.00} ) was supposed to be processed and mailed to me the week of the XXXX. I phone BofA this morning to find out what date my check had shipped and was told it was made out to the wrong payee ( XXXX with BofA admitted the payee had absolutely XXXX connection to my account and it was not a business name that I recognized ) and so now the delay was waiting for those funds to be redeposited into my " account '' so they could issue the check to me properly. I asked if that was going to be done immediately and overnighted to me because they were not paying me any interest on my money that they are now holding without my permission yet I am paying interest on it elsewhere. XXXX was going to try to get it expedited and was going to see if perhaps it could be overnighted to me but that it might still take 3-5 business days.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 11/16/2017 about Payday loan, title loan, or personal loan (Payday loan) with COMMUNITY CHOICE FINANCIAL, INC. (FL).
Issue: Can't contact lender or servicer

Complaint: This is about unsolicited calls from First Cash Advance, the calls are daily, the phone numbers they come from change each time, I continually block the numbers and they just use a new one. 

I have requested they leave me alone, I have never and will never do business with them but they wo n't stop. I keep reporting it to you but still have n't gotten anywhere. 

This call came from 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 10/26/2015 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (AZ).
Issue: Problems caused by my funds being low

Complaint: I have been getting hit with overdraft fees for the last three weeks but this weekend I got charged an auto loan payment that is usually due on the XXXX two days prior from its original withdrawal date causing my account to go into negative numbers. This has made me raise suspicion about the motives behind the transaction. I was not expecting the transaction that early so I did not have the funds available to meet the amount that was withdraw causing me to pay overdraft fees for big and small charges. I think it is very unfair how banks treat their costumers. I have tried getting those charges waived but the bank limits to only XXXX waived fees per 12 months. I think the creation of " pending transactions '' should be illegal and I also think banks should not limit the amount of waived overdraft fees to just XXXX. What about unfair transactions after those XXXX waived fees? My auto loan has always been withdraw at the XXXX of every month except last month and that is very strange and extremely unfair. I think the banks are still implementing illegal tactics and are still picking on low income costumers to create overdraft fees surges. Those practices should not be tolerated by regular people trying to make a living. I have already paid too much money on overdraft fees this month for small things like food and gas. Money that could have been better put to use on other things that are essential to everyday life.

Company response to consumer: Closed with monetary relief
Consumer complaint received 03/15/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: On XX/XX/2018 I disputed several items on my credit report through Transunion credit bureau. These accounts I have no affiliation/business. And have no contract with said collection agencies. There has been no contact between me and TransUnion to give explanation why removals were completed at this time. The 30 days has lapsed for said accounts with TransUnion. And contract with collections agency doesn't exist according to the FCRA. 
1. XXXX XXXX ( for the amount of {$410.00} ) 2. XXXX XXXX ( for the amount of {$680.00} ) 3. XXXX XXXX XXXXXXXX ( for the amount of XXXX ) 4. XXXX XXXX XXXX ( for the amount of {$150.00} ) I am requesting that these items are removed from my credit report immediately with letter to follow.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/31/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have been a victim of Trans Unions Inquiry Issue. I called then and the representative refused to help me. 

The following inquiries are on my report and were not made by me. 
XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX-XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX/XXXX  XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX-XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX/XXXX  XX/XX/XXXX XXXX/XXXX XXXX XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX-XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX So many are duplicates as well.

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