milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08/17/2017 about Vehicle loan or lease (Loan) with YES AUTO CREDIT (OK).
Issue: Getting a loan or lease
Sub-issue: Credit denial

Complaint: i applied for a XXXX XXXX XXXX in XXXX of XXXX and it is now XX/XX/XXXX i put XXXX down on a down payment i have never received a title each time the tag has came up to the expiration date i had to go to the car dealership and recontract every single time and the loan still did not go through and now he is wanting me to put XXXX more to the down payment which was XXXX dollars months ago due to my XXXX XXXX being lower from the first time we ran it he keeps having me recontract so now i gave the car back and asked for my down payment back and his response was i can not give you your down payment back because you have been using the car since you got it which does n't make sense because it was not my fault it was theirs..

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 08-05-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: i check my credit report and it has a liens but the liens are not mine its from someone else i already fix the problem with the other bureau ( XXXX, XXXX ) and they investigation shows that it not belong to me. they take it off of my report. 
so i dont know why transunion keep this liens in his report. 

this is a case of identity theft and i already shows all the documents to prove it to the others bureus sending the police reports, trade comissions report affodavid and a lot of documents they ask. 
so i need to take this off of my report becuse its not mine, and is damage my credit score and job opportunities. 
i already fix the problem with the irs and i have the documents to prove it. 

Enclosure : Form XXXX A I TRY TO FIX THIS MISTAKE FROM 2013 TAKE THIS OUT OF MY CREDIT REPORT ( NOT MINE UNDERSTAND ) CHECK THE ATTACHMENT ( Enclosure : Form 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 12/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: This goes back to XXXX .I inquired with XXXX XXXX XXXX about attending school. I did paper work and went to school for about 1 week there. I never received not 1 check. I got incarcerated the same week I started for 9 years. The school fraudulent cashed checks in my name because I did n't. I sent an article to XXXX XXXX. XXXX showing them at the time I had signed up for school .they were falsifying documents such as checks. In students name. I tried to dispute with XXXX XXXX XXXX I requested a fraud affidavit they never provided. This is not my debt a d should not be on 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 07/19/2015 about Debt collection (Credit card) with Express Collections, Inc. (OR).
Issue: False statements or representation
Sub-issue: Indicated shouldn't respond to lawsuit

Complaint: I was told that I had an open credit card from 1999. I was contacted in XXXX about this debt and told that I would have to pay over XXXX worth of interest. When asked if I was going to pay this or not-I said " no ''. The debt collection agency sent legal paperwork to my home and the post office had my XXXX year old daughter sign for it while I was at work. The judgement went through XXXX South Dakota without my knowledge and I have been fighting it ever since. I have written to the court and contacted the debt collection agency. The time of elapse for the debt had passed. They charged an exorbitant amount of interest and would not settle on it.They constantly called threatened and harassed me and then accepted the signature of my XXXX year old daughter on legal paperwork. The only reason I knew that she had signed for the paperwork is that her older brother told me. The post office would n't respond to my request for information and claimed that they were using a temporary carrier. I do n't believe it is legal for a court to go through with a lawsuit signed by an XXXX year old. This company was completely suspicious from the beginning. This has caused me to be investigated at work, loss of credit, etc. I have successfully disputed this to XXXX out of XXXX credit reporting agencies and was advised to file a complaint as well.

Company response to consumer: Closed with explanation
Consumer complaint received 08-01-2015 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (MI).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: hello i graduated in XX/XX/XXXX 2010 when at the top of the great recession was happing i went to XXXX and i still can not find a job in my field witch is visual-communacation i.e ( advertsing ) i have told, fromer XXXX, now navient that i am working part time at XXXX and my mom, lost her income and now i pay all the bills and they dont care .i am the working poor they kept threathing me with wage garish, and if they do i am finacly runined..

Company response to consumer: Closed with explanation
Consumer complaint received 11/25/2016 about Credit card () with PAYPAL HOLDINGS INC. (NY).
Issue: Late fee

Complaint: I am being billed by a company called Paypal Credit for a charge on a deferred purchase BUT I never requested the different payment account. I pay all my credit card bills for purchases in full. I received statements saying I had a zero balance and so, just filed them away. Then I started to receive bills indicating I had late fees and interest due on a paypal account. I called the customer service number and a person said they would reverse the fees and account needed a payment to close the account for a purchase. I authorized the payment to pay for the purchase and they said my account would be closed. The account was not closed. And I received another bill for additional {$35.00} late fee. I figured the payment crossed in the mail/processing of the prior payment. I ignored that bill. Then received another bill for {$35.00} I called customer service again. They said the account fees would be taken care of. Now I keep getting bills for late fees of {$35.00} on ZERO purhcases. I tired again to find out what might be a legitamate charge and was advised that {$38.00} would resolve the past purchases. I authorize that amount and was assured by CS Rep that all would be reversed by her supervisor and account closed. That was 10 days ago and thus far, the account is still opened and now the fees are up to {$180.00} with no evidence that my payments have ever been credited. This company is apparently a SCAM.

Company response to consumer: Closed with monetary relief
Consumer complaint received 08-01-2017 about Credit card or prepaid card (Store credit card) with GreenSky Trade Credit, LLC (TX).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: I received promotional financing through XXXX XXXX for 24 months no interested. My total purchase was in the amount of {$2500.00}. I made a {$250.00} payment on X/XX/2017 and another {$250.00} payment on X/X/2017. Due to the promotional financing I received, my balance should reflect {$2000.00}, however the balance reflects {$2100.00} online. I contacted GreenSky and was advised that the website was newly developed and that when I receive my statement in the mail I will see that everything is reflected correctly. However, I received my statement in the mail and it reflects exactly what is online. The balance reflects a finance charge in the amount of {$51.00} and my next payment amount is showing the be that exact amount. I am not understanding why my payments are being applied to interest if interest will be waived if I pay off the account within the 24 month promotional period. I contacted GreenSky again today and the agent I spoke with was rude and placed me on hold for several minutes with no resolution to my concerns. I think my billing statements are incorrect and my payments are not being applied correctly.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XXXX- no knowledge of account in violation of HIPPA and CRA

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 01-11-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (PA).
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint: On XX/XX/XXXX certified letter was sent to Experian asking them to provide verification of the following debt reporting on my credit report. Another letter was issued in XX/XX/XXXX stating that the items where in non compliance of the FCRA section 609. On XX/XX/XXXX a phone call was placed to Experian asking where the response letter was and that they by law were non contempt. Representative XXXX from team ( XXXX ) stated that the response was mailed to an address that I did not provide. As of today the items still remain on my credit and the illegal unauthorized distribution of my credit report has put me in a vulnerable position.

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 09/16/2016 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (AL).
Issue: Closing/Cancelling account

Complaint: I have a credit card with Bank of America and due to charges I thought were fraudulent requested they change my credit card number which they did. At a point after that, I had called the company onstar and requested they cancel my account which they did not do and charged my account several more times. I found it odd that they were able too get those charges through since the card number they had was the old XXXX and called Bank of America and asked them to cancel my credit card which they said they did. I have had several more charges go through from other companies even after cancelling my card because Bank of America says they saw them as revolving charges and they always let them go through and that I have to contact all the companies and cancel those myself. I told them that I always refuse revolving accounts and no company has my approval and that I want no more charges from any company to go through and they said they can not do that. They told me if any charges from any company I have done business with in the past comes in they will pay it and I will have to contact all the companies to cancel. I told them I do not know what companies to contact because I have not given anyone permission to do a revolving account and want the bank to stop paying them but they have refused to completely close my account and stop letting such charges come through. Bank of America says I will just have to keep getting and checking statements and deal with each company as they come through because they do not stop taking those type charges until a certain period of time of inactivity has occurred. When I asked what is the length of time, they said it is not a specific amount of time. I closed the account 8 months ago and they still let XXXX recent charges go through 8 months later. I want the account closed completely with any and all charges blocked. It should not be legal that I can not completely cancel a credit card, and that I have to worry about still checking statements for some unspecified period of time before the bank finally stops letting charges go through on a closed account. Consumers can not know what companies will be charging the account in order to call them prior to them charging the account if the companies are doing so without approval, so canceling the card should stop that, but not with Bank of America. Also, it should not be legal that charges can go through when a company submits a charge on an old card number and they do not have the new card number, but not at Bank of America.

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 09-07-2016 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (MA).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I have been making payments for my parent plus loan via Navient and utilizing my electronic bank payments to do so. It seems that my payments have been received, but distributed to payments upon my brother 's loan and my loan resulting in multiple late fees and issues with both loans. Upon calling Navient customer service to discuss this issue, I was informed that they would not speak to me about my loan because the loan was a parent plus loan and that they would then have to speak to my father. I explained that my name is too on the loan, as it was a loan taken out in my name for me to go to school with no such success to dispute this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 01/18/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OK).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: over the course of the last two years I have tired unsuccessfully to get Transunion to provide me with the method of verification of the alleged bankruptcy public record used to verify disputed information. Transunion has refused to provide me the required method of verification per FCRA, Section 611 ( a ) ( 6 ) and ( 7 ). I have supplied the latest letter I received from Transunion dealing with a complaint filed with the Ohio Attorney General office. As you can see from the letter Transunion believe that they do not in fact have to comply with this section of the FRCA. I asked for the method of verification in letter form sent US mail, by Fax, and via telephone conversations with Transunion they were ignored or I was sent a form letter saying that they would not reinvestigate. Per XXXX TransUnion Corp the courts have held that the credit reporting agency must do more the parrot the results of the initial investigation and they must conduct there own independent investigation

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12-02-2015 about Credit reporting () with EQUIFAX, INC. (IN).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: They will not even talk to me because there is stuff on my report that i can not answer The person even admitted they do not check the stuff they put on my report how can i fix this if i can not despite it

Company response to consumer: Closed with explanation
Consumer complaint received 01-05-2018 about Debt collection (Medical debt) with Accounts Receivable Services (MN).
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint: This complaint involves the debt collection agency XXXX XXXX ; XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, MN XXXX. 

I was aware that I had {$930.00} in medical debt that was overdue from a XXXX XXXX I suffered. When I called XXXX to set up a payment plan or settle the debt, I was threatened by XXXX ( did not give last name ) that my debt had already been filed with the court and I was being sued. He told me that I was due in court in a few days. He said I had to pay the full amount due and they would not accept any settlements. I let him know that I had never been served any court papers even though they have my correct address, which he verified over the phone. Even though I could not afford to pay the full amount, I knew I had no time to find an attorney or pay court fees so I paid the debt in full. 

After I got off the phone, I checked with the court and there were no cases filed against me. There was no pending court date. Everything XXXX said was a lie to force me into paying the full debt immediately over the phone and avoid any payment plan or settlement. 
I am extremely upset and disappointed. This is certainly an unfair debt collection practice.

Company response to consumer: Closed with explanation
Consumer complaint received 08-09-2016 about Bank account or service (Other bank product/service) with TCF NATIONAL BANK (IL).
Issue: Account opening, closing, or management

Complaint: I have been denied a home modification twice once when I lost my job now again asking for a reduction in my interest rate I have been paying the mortgage at 6.39 % since XXXX/XXXX/XXXX I lost my job in XXXX it was for a XXXX dealership that was cancelled by XXXX. At that time I asked TCF bank for help but was refused I have been taking on loans to pay my mortgage payments since XXXX. I tried to get refinanced but with my home being depreciated from a value of XXXX in XXXX by XXXX appraisal to in the area of XXXX now no bank will finance me without coming up with XXXX I have been told. I do not have that kind of money. They are charging me 6.392 % for the home mortgage and 5.23 % on the home equity loan. They again refuse to lower my interest. If it had been a government loan I would not have a problem with refinancing my home. I have paid every payment on time for the last 15-16 years. I have just turned XXXX just had XXXX XXXX this year have to borrow more money to pay them. May not have a job much longer yet they still denied me saying no hardship exist.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/22/2018 about Debt collection (Medical debt) with Collection Consultants of California (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: The day this was opened was on XX/XX/2012 Total - {$1300.00} by XXXX XXXX XXXX XXXX. I have never been admitted to a XXXX XXXX  XXXX XXXX. I would get phone calls and I would explain this was clearly not me and to look into the possibility of it being my father that has my same name and sadly is now desist. I have been attempting to dispute this for a very long time now. I truly hope you guys can help.

Company response to consumer: Closed with explanation
Consumer complaint received 04/25/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with BMO HARRIS BANK NATIONAL ASSOCIATION (WI).
Issue: Application, originator, mortgage broker

Complaint: i applied for a loan the loan officer looked up the credit score and told me the score was at XXXX was to low to refinance but when i looked it up on experian i took the XXXX scores over to the branch bank they sent it to the loan dept it was at XXXX how is that different also the bank sends me papers to sign thing to me the loan went though but it did't that 's not costumer service the branch bank said it should go though

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 04/19/2017 about Debt collection (Medical) with Medical-Commercial Audit Inc (MO).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I received an initial notice from  MCA Superior Collections  dated   XXXX     advising me I had 15 days to respond before derogatory credit reporting was done. Nowhere on the notice did MCA indicate or imply I had the right to dispute the debt 30 days from receiving this initial notice. Despite the company 's noncompliance I responded with a request for validation of debt dated   XXXX   ( which was in the allotted time I was advised of ) requesting agreement that bears my signature amongst other documents validating the alleged debt and this company was unable to provide me with any. In response to my letter they did provided me with a bill but no specifics. The blatant disregard to my request leads me to believe they are not taking this matter seriously and I am thinking of contacting a consumer attorney if my concerns are n't addressed expeditiously!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with DCI Credit Services, Inc. (OK).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: On X/X/2017, A new collection account appeared on my XXXX credit report. Reported by agency Diversified Consultants Inc. ( DCI ) in the amount of {$88.00}. Original Creditor was XXXX. I did have an account with XXXX, but was paid in full when i closed the account and switched providers. I never received any bill, call, email or any notification that I still owed XXXX anything. On X/X/2017, I contacted DCI by telephone and was informed that I owed for an unpaid amount. I asked why I was never notified of this debt by either agency, and was informed they didnt know, and that I should have definitely been billed or contacted. I was also informed that XXXX had given DCI the contact phone number I had originally provided when I signed up for their services, which has not changed, so I know that had they wanted to, they could have easily contacted me. Had I known they wanted more money, Id likely have paid them immediately as I have been working on my credit. No attempts in any format were made by XXXX or DCI to contact me and inform me of any outstanding balance. My phone number has not changed, and I am rather easy to contact. Fair notice was not given to me by either company before this mark was added to my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 05-04-2017 about Debt collection (I do not know) with Bonneville Billing and Collections (FL).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: This complaint is against the company "   Bonneville Collections ''.
They are currently reporting two u  npaid debts on my credit report totaling {$490.00} but I have never had any dealings or communication with this company so there is no reason for them to be reporting an unpaid debt on my credit report.     The first account has an account number of  XXXX  and a balance of {$290.00}. The second account has an account number of  XXXX  and a balance of {$200.00}. They were both reportedly opened in  XXXX    XXXX  .     I 've done some research online and I have only come across negative reviews and complaints by other consumers who have been harassed and scammed by this company. I will not give my money to a company I do not recognize and who will not tell me why they want me to pay them.

Company response to consumer: Closed with explanation