milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07/15/2015 about Student loan (Non-federal student loan) with WELLS FARGO & COMPANY (VA).
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint: Wells Fargo has been harassing my wife and I over the past year. We are crippled by this debt. When we told, we could not make the high payments, first they suggested consolidating the loans. After consolidation, the payments became even higher. Then, we asked to have them unconsolidated and they refused. it took several phone calls. Also, my wife gets calls almost daily just letting her know a payment is due. The loan has been deferred since she took some classes. They have called her and our mother in law who is the cosigner. The information is inconsistent online and who you talk to in person. and you just get the run around. Today, I was about to make a payment and they refused to take it. They said it has to be a bank card. This was my last straw. I offer to pay the money and you refuse to take payment. This has been a huge nightmare, and this vendor should be barred from taking on student loans. My wife even was diagnosed with XXXX and is not able to work full time. Still, they wo n't offer any relief.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11/29/2015 about Credit card () with CITIBANK, N.A. (NJ).
Issue: Billing statement

Complaint: I used my Macy 's card to make purchases over the past few months. When I went to pay my bills a couple months later, I noticed that I never made a payment to Macy 's. When I called Macy 's, I was immediately connected with the collection department, who notified me that I never paid bills, had accrued late fees and was reported to the credit bureaus as delinquent. Furious, I demanded an explanation as to why I was not contacted before they took the latter step. They claimed they called and sent me online statements. They had my phone number correct, and could not verify my email address. However, they claimed I had authorized online statements, which is the reason they gave for me not receiving a bill. But, you ca n't verify an email address for that? Sounds fishy ... Nonetheless, I do n't recall making the paperless billing authorization ; it was most likely in some fine print that I missed, if what they claimed is true. Still, they never reached out by phone, and they were able to verify they had the correct telephone number. They also never reached out by mail ; the address is correct since they sent me a new credit card to that address. I requested they remove the late fees from the account and remove my delinquent status from the credit bureaus. They removed the late fee, but said they could not remove the delinquent status. I paid the account in full and closed the account. I pay my bills on time, when I get the bills! Consumers should not be reported to a credit bureau as delinquent until an attempt is made BY MAIL and BY PHONE to contact them. Neither option was used. Is that even legal? It should be, especially in the world of 'paperless billing! '

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 03/28/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
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: On XX/XX/XXXX I made my yearly purchase from XXXX XXXX with my XXXX card as I have for the past few years. I use my XXXX card only to get the points then I pay it off with the bank account that is connected to my XXXX card online. In XX/XX/XXXX I went to the XXXX XXXX website to make full payment. I proceeded to make the payment, received the thank you for the payment page and noted my personal budget/bill sheet as paid. On or about XX/XX/XXXX I received an email that my account was 30 days past due. I immediately made a phone call to ask why. I was told that it had been reported to the credit bureau as a 30 day late pay 2 days prior to the email I had just received. I explained that I had made that payment back in XX/XX/XXXX and had not gotten any email or late pay notice until that email that prompted the call. During that call full payment was made to XXXX and all late fees were refunded by XXXX. I disputed with XXXX XXXX/XXXX XXXX on XX/XX/XXXX and then again around XX/XX/XXXX. I also disputed 2 times with TransUnion and XXXX. This is clearly a system error of some sort which is obviously not an item that can be " proven ''. The only response I'm getting from XXXX is that if there is not proof of it being " their fault '' there is nothing they can do. I debated that a " fault '' of a system error is impossible for the consumer. My credit has been in perfect condition for many years now and this is the one and only blemish, reducing my score by more than 50 points. I am asking XXXX to simply make a courtesy credit removal due to some sort of system error. I have also consulted a credit repair company that advised I try once again to remedy it with XXXX XXXX/XXXX XXXX and then proceed to file with the CFPB, OCC, XXXX XXXX XXXX XXXX and social media negative blitzes. I shared with XXXX the steps I was going to take and they did not care. I am in awe of how an error of this sort can have such an impact on a consumer with zero path for the consumer to be protected or heard and treated as a human being instead of a number or piece of paper.

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 02/16/2016 about Debt collection (Credit card) with Platinum Holdings Group, LLC (CA).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: They represented themselves as police officers to my uncle and grandma in an attempt to get in contact with me. This debt is from9 years ago and do not understand why all of a sudden they are threatening to sue me. In addition to threatening to sue me, they have harassed my family by calling multiple times to each person, they have called me over 10 times just today. Also theor phone numbers register to a XXXX office and believe they are a scam and just knowing that the statue of limitations has run out on the debt, they are still attempting to strong arm me to pay double the original credit limit and threaten me with a XXXX lawsuit through the irs.

Company response to consumer: Closed with explanation
Consumer complaint received 08/23/2016 about Bank account or service (Checking account) with CITIBANK, N.A. (NY).
Issue: Account opening, closing, or management

Complaint: Hello, my name is XXXX XXXX. 
Back in XXXX XXXX I have received a paper promotion from Citibank ( Citigold checking account ) which offered XXXX XXXX when you meet certain criteria : 1. You currently must have Citibank / XXXX XXXX credit card ( I had it since XXXX XXXX and it 's still active ) 2. You must make XXXX or more bill payments within 2 consecutive months ( I made XXXX ) 3. It must be a first time Citigold account ( it is, never had XXXX before ) 4. Must spend $ XXXX or more within 3 months ( I spent {$1.00} in 30 days ) 5. Must apply before XXXX XXXX, XXXX ( I applied either XXXX XXXX or XXXX ) 6. Must have XXXX account ( I have XXXX, it 's still active XXXX ) Account was opened at the Citibank branch XXXX in XXXX, NY and the rep told me she sees that I 'm eligible for that promo. 
So they promise that 2 months after doing all that I should be able to see my XXXX which never happened. I started XXXX investigations and they keep saying that unless I show them that piece of spam they sent me in XXXX they wo n't help with miles. Branch manager couldnt do anything either. I see a lot of people have complained about it XXXX so you guys are my last hope. 
I have attached XXXX latest statements of my XXXX XXXX account where you can see there 's no XXXX bonus.

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 02/13/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Capital Accounts, LLC (NY).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Hallo : My name is XXXX XXXX the problem I am with this company Capital Account they reported that I had XXXX done in XX/XX/XXXX in XXXX, fla. And when I called them myself they said the original date was in XX/XX/XXXX it can't because I was having my own XXXX DONE IN XX/XX/XXXX TO XX/XX/XXXX I STILL HAVE THE XXXX that was XXXX AND XXXX  and paid BY HEALTH INSURANCE IN XXXX , N.Y. and I Did Not Travel anywhere because my oldest daughter XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX And she lived in XXXX , N. Y. And in XX/XX/XXXX I was going back and forth from XXXX to XXXX to family Court for my grandson all the way to XX/XX/XXXX. And after that I moved into my new apartment at XXXX XXXX XXXX XXXX XX/XX/XXXX and I got my Section 8 approved at the same time in XX/XX/XXXX. And I been taking care of lower back severe pain. I have the paper 's anything you will need. And I did have the father XXXX XXXX XXXX d.o.b. # XX/XX/XXXX who lives in XXXX, Florida he stole from my florida food stamp card he was using it and I was not awhere of this until I moved back to XXXX XXXX XXXX In XX/XX/XXXX and I went to apply in New York food stamp office they said I was collecting in florida so I had to give them his information and I had to show them I had nothing to do with it did and I finally won my case and was able to start receiving my new benefits. Capital Accounts # XXXX. I was able to get XXXX to help me with this item they were able to take out of my Credit Report and then I tried to get XXXX  credit report to help me and they were not able to help because Capital Accounts said it was mines and that was it!

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 12/16/2016 about Debt collection (Medical) with Medical Data Systems, Inc. (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: This should have been covered with my insurance I went back to the hospital a couple of days later and the insurance paid that claim I dont understand why they did n't file this claim

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 07/14/2015 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Credit monitoring or identity protection
Sub-issue: Billing dispute

Complaint: it is the repeated fraud attempt from experian, like the XXXX reporting bad reviews online, those who was deceived with the XXXX $ credit report, i was deceived and subscribed, then i got a XXXX $ transaction on my credit card, and when i complained, i called the customer service supervisor over the phone and she promised to refund the XXXX $ but i have to email XXXXXXXXXXXX, i did and i got automated reply like the hundreds online saying they will not refund this money. this money were withdrawn without my approval, i subscribed for a XXXX $ credit report, why shall i pay XXXX $ for something like that. 
also i subscribed 12 days ago, if we removed the regular weekends and the XX/XX/XXXX vacation that will leave time less than the trial period that they talk about. due to the fact that i have to cancel the subscription only by phone, then i have to call on a bushiness day, then they didnot even leave me a chance to cancel it before they rib me off. so, even if i was aware of the charge, there were no way for me to block it, what if i was not even notified or aware or approved this XXXX $ charge. 
unjustified charge that i received. please process this refund ASAP. 
here is my Member # : XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with EQUIFAX, INC. (MD).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Based on the 143 million records were stolen from Equifax, I was told that my personal information may have been impacted by this incident.

Company response to consumer: Closed with explanation
Consumer complaint received 12-01-2015 about Mortgage (FHA mortgage) with PLATINUM HOME MORTGAGE CORPORATION (MS).
Issue: Loan servicing, payments, escrow account

Complaint: We refinanced our home loan and have been paying monthly on time. The mortgage company did n't end the original loan and they keep sending us default letters and are reporting it on our credit report that we are in default. We have called the mortgage company 4 times, every time we get a loan default letter. They keep telling us the same things that the computer is spitting out these letters and making excuses. We ca n't get the mortgage company to make the status of the past loan paid off like it should be, instead they are reporting it every month as defaulted. We have XXXX mortgages on our credit report, XXXX we are paying on and XXXX that we are in default and should have been paid off. They are hurting our credit score by reporting a loan we no longer have and that it is in default. We are afraid that they will start the process of repossession on this loan that we do n't have anymore. What can be done?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04-11-2015 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (TN).
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint: I worked out a payment arrangement with XXXX, XXXX XXXX XXXX, XXXX. They debit my account monthly in order to settle this debt for a credit card that I owe. They are taking me to court to garnish my wages even though they are still debating my account montly with a recent transaction happen on XX/XX/XXXX. I looked back through my bank statement to make sure the drafts were coming out. THEY did n't draft it out in XX/XX/XXXX however they did XXXX, XXXX and XXXX. In fact my drafts begin in XX/XX/XXXX. I have paid them payments totaling around {$1800.00}. I do n't feel that missing XXXX payment that they never told me about warrants wage garnishment. Please help. I can barley survive now. I barley can afford food for my family. I realized my debt and that 's why I arranged payment arrangements with them so this situation would n't happen. Please help me if you can. I have gotten letters from lawyers for representation and I did n't know I was susposed to be in court.

Company response to consumer: Closed with explanation
Consumer complaint received 10/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: This is a complaint against Experian Department XXXX XXXX XXXX XXXX. I am a victim of identity theft, I have more than a year trying to fix this situation and they do not do anything they arrange nothing, when you call them on the phone they say they are not available and that they call you back and I am waiting for you until today. 
It is a platform of obsolete workers, they stayed in the past in terms of solutions and above that they do not fix anything, they violate the federal law of credit. When a citizen has negative accounts and is a victim of identity theft and has a report, these accounts must be eliminated from the credit bureau in the next 5 days. On the other hand I can not make disputes via online because they have blocked access. what kind of credit bureau is this that does not work. I 'm already going for more than 2 years with this problem. Dispute staff and fraud department staff are poorly educated and do not help you find a solution.

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 01/14/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with ID Analytics, Inc. (FL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Purchased a vehicle in XXXX 2017 and received financing thru my credit union with a fico score of XXXX. Just received a letter from XXXXXXXX XXXX informing me that I was denied the loan due to information received from XXXX XXXX XXXX. Showing my credit score as XXXX with too many delinquent accounts and limited history at this phone. I currently do not have any delinquent accounts and have had the same phone number for almost 13 years. I read a few threads on them after receiving this and do not feel comfortable calling them to dispute this. Not sure what the CFPB can do but it was recommended that I report this. Hopefully you all can shed some light about their reporting practices Thank you for your anticipated assistance. 

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 12/14/2016 about Bank account or service (Checking account) with KEYCORP (OH).
Issue: Using a debit or ATM card

Complaint: You people at Key Bank are the most ignorant bunch I 've ever dealt with. Use some common sense. Once again, this is in regards to the unauthorized charges from XXXX. See my previous complaints.

Company response to consumer: Closed with explanation
Consumer complaint received 02/22/2018 about Debt collection (Medical debt) with California Business Bureau, Inc. (GU).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: Several times a month, they reported to XXXX that I did not pay this debt. They are ruining my credit score, and I never received a bill or an attempt to collect a debt. I think it is fraudulent. 
SEE BELOW the report to XXXX  : CALIFORNIA BUSINESS BU has flagged your account as Collections. 

Potentially Negative Alerts notify you when one of your accounts has reported information that may negatively impact your credit score. 

Alert Date XX/XX/XXXX Source XXXX Company CALIFORNIA BUSINESS BU Payment Status Collections Status Date XX/XX/XXXX Balance {$390.00} Balance Date N/A Address XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NC).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: XXXX   credit is reporting incorrect information on my credit reports.

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 11-04-2016 about Consumer Loan (Vehicle loan) with Bridgecrest Acceptance Corporation (TN).
Issue: Managing the loan or lease

Complaint: I purchase a vehicle from XXXX ( aka BridgeCrest ) in XXXX, and have had nothing but trouble form them every sense. They charged me with late fees when its not my time of schedule payment, always calling 5-6 times at all hours of the day harassing the XXXX out of me, and also not reporting to all XXXX of the credit agencies when payments are made on time. I had a company look into my credit system and found were they are lying and not been truthful of the matter that I am paying my car note. Moreover, I have keep all of my receipts and even looked back on payments made ; and they are not giving me credit due. When I looked at my statements online, I noticed dates that I paid are not been included and they again overcharged on late payment fees when it was n't even my schedule payment time. This is the WORST CAR DEALSHIP EVER! Their moto is a lie when, it speaks of helping those with not so good of credit. I have asked repeatedly on numerous occasion to have my payments modify and still I always get excuses and no one is willing to help lower my payments. I have been advised to look into XXXX XXXX who can have them stopping calling me everyday, give me credit were credit is due, stop charging late fees when its not my time to pay my schedule payments and to report to credit agencies when I am making my payments each month. Plenty of people that I have spoke to say how awful they are, calling with the harassment many times in one day. I made my last payment on XXXX/XXXX/16, Saturday and they called me the next day, and the next day, and the next day. That was unacceptable, and no reason to have called my phone that many times, when I had paid. My schedule payments is every two weeks and if I miss a week, I 'll pay the week after, which is still technically every other week. If I could find a way to get out of this loan, I would. They are overcharging me, cause my balance I know should be down and with them they keep adding it up. NOT COOL AT ALL! I am dissatisfied with BridgeCrest formerly known as XXXX. I will be taking other measures from referral resources to have them stop frustrating, stressing me out, cause it 's ridiculous how annoying this company is. STOP HARASSING ME WHEN I MAKE MY PAYMENTS EVERY OTHER WEEK!!!

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 Debt collection (Other debt) with Hunter Warfield, Inc. (NC).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I received a letter in the mail dated XX/XX/2016 stating that I owed my previous apartment complex the XXXX at XXXX for damages pertaining to carpet replacement for a fee of XXXX, stove top replacement XXXX, blind replacement XXXX and an extra cleaning fee of XXXX. I called the complex the following day to find out how they came up with these charges. I spoke with XXXX and she could not even describe a specific location of where the carpet was damaged. She also told me she was unsure of how they were charging me for blinds but I need to pay up. I also sent them a certified letter asking for proof. They failed to respond to the letter but instead sent the bill to a debt collection agency. Also I asked for proof of the damages with pictures and bill receipts showing the work was done and I never heard back. I am writing to inform you of the unfair practice of the XXXX at XXXX XXXX. They need to be thoroughly investigates as I am worried that I am not there only victim. I have a lawyer and have disputed these charges. 
thank you kindly.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation