milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: My account is with XXXX XXXX. I mailed a payment by priority mail on XX/XX/XXXX. XXXX processed only {$190.00} of a {$310.00} payment on XX/XX/XXXX. I sent them proof of my payment five times via fax to customer service and their corporate headquarters. As of XX/XX/XXXX, they stay have not corrected my credit file and are reporting that I am delinquent when I am not. My credit score has been adversely affected and I was denied credit due to XXXX XXXX falsely reporting negative information.

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 06-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MT).
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 sent a document to Experian,  XXXX  requesting the verification of debt that they were reporting according to the Fair Credit Reporting Act. I requested copies of this verification . ( See document A ) Experian did delete some accounts but only stated that the rest were verified and   provided no copies of the verification.   I sent four more documents ( see documents B, C, D , E ) requ esting the verification of the debt along with copies of the verification ( Consumer contract ). These documents are dated  XX/XX/XXXX ,  XX/XX/XXXX ,  XX/XX/XXXX ,  XX/XX/XXXX . Again, Experian only responded that they were verified but has refused up to this date to provide any documentation or copies of this verification. Experian sent me their method for verification without sending the verification.   I would also like to point out that in one account (  XXXX   XXXX   ) ( See  documents F, G, H, I ). Experian reported in their response  on  XX/XX/XXXX ,   XX/XX/XXXX ,  XX/XX/XXXX  that the account meets requirement of the Fair Credit Reporting Act. Experian did not send me any verification at any time but in document ( I ) dated  XX/XX/XXXX  Experian stated the outcome of their investigation in response to my fourth request ( documen t D ) was  to delete the account. Experian stated in three previous responses that this account was verified and met requirements ( F, G, H ). How is that? I do not believe that Experian verified any of these accounts as they claim and they have refused to provide any original or copies of the debts that they are reporting.

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 09-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: The Equifax hack has resulted in my personal information being released into the public domain. I 've attempted a credit freeze with equifax, however both phoning and web attempts to freeze my account have been unsuccessful. The phone number provided by their website does n't actually offer the option to freeze my account, and the website does n't load.

Company response to consumer: Closed with explanation
Consumer complaint received 12/27/2016 about Consumer Loan (Vehicle loan) with WELLS FARGO & COMPANY (MO).
Issue: Taking out the loan or lease

Complaint: I went to XXXX to buy a car. i did not know that I was being a victim of predatory lending practices. I was very interested in purchasing the XX/XX/XXXX XXXX At the time I owned a XX/XX/XXXX XXXX and was trading it for the XXXX. I still owed on the XXXX in amount of {$16000.00}. I believe the salesman took advantage of me, my age and the oppurtunity to make a sale. no matter the price or the financial harm it may have on a ususpected consumer now and in the future. besides the high price of the vehicle {$35000.00} and the insane thought to include a partion of the balance owed on the XXXX ( {$3900.00} ) and to toss in a dealer warranty of ( {$4500.00} ), which will have a detramental effect on the ability to try to trade or refinance the vehicle. this was not explained to me. In all to have a total finance amount of {$43000.00} at XXXX % for XXXX months. if the vehicle is already questionable to be value at {$35000.00} the selling price, it will never have a chance to be traded or refinance with now having a total balnce owed of {$43000.00} plus finance charge of {$12000.00} for a grand total of {$56000.00}. this is already a proven fact with Wells Fargo, Due to their denial of refinance with them to get a reduce interest on the vehicle. which proves if this was not a good deal for them than it was not a good deal for me. I was coherce into buying the vehicle not fully understanding all of the charges that were included in the amount that was finance. or how this would effect my ability to refinance or trade.

Company response to consumer: Closed with explanation
Consumer complaint received 09/19/2017 about Payday loan, title loan, or personal loan (Payday loan) with Enova International, Inc. (KS).
Issue: Charged fees or interest you didn't expect

Complaint: On XX/XX/XXXX I applied for this loan because of financial difficulties. Me being young and when I applied it said 29.9 % interest rate. Come to find out it 's actually 299 %. I have made payments never late mind you. The loan was for XXXX. I have paid XXXX $ and I still owe them XXXX. The date as of today XXXX-XXXX-2017. I get payday loans are meant to be paid back by pay day however I should n't have to choose between food and paying this. If someone can bring food that would be great.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 12/21/2017 about Credit card or prepaid card (Store credit card) with Alliance Data Card Services (VA).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: I am disputing the balance of XXXX on my XXXX credit card acct. Balance is very high and I have found multiple errors on my last billing statement alone, to be very concerned about the handling of my acct, to date. I have sent in overpayments on purchases too and no one seems to " know '' where money went. 
XXXX XXXX XXXX creadit card .... REFUSES to address my overcharges of items and added postage on my XXXX charge account. Company continues to give the EXCUSE " we can not see what original charges and they WILL NOT send me a representative name and a fax number, so I CAN SENT THEM A COPY of my account history, to review charges for errors on my acct. It is very clear that there has been mismanagement of my account over months now. 
I am disputing the account balance with XXXX customer ser. and bank, both companies are not working with me to address my over charges and both companies have been reported to the Better Business Bureau. 
** I am still waiting for a final response from Better Business Bureau Florida on XXXX customer service with their companies final response as to what they are willing to do to help me resolve this issue. 
** '' I just want to pay this card off and get these companies out if my life. I however will not continue to pay in an acct, that I am getting over charges on. 
***history OF ATTEMPTS to resolve attached.

Company response to consumer: Closed with explanation
Consumer complaint received 10/24/2016 about Credit reporting () with EQUIFAX, INC. (CT).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: Equifax is reporting a derogatory collections account, XXXX XXXX XXXX XXXX XXXX Account Number XXXX, past the 7 year limitations period in violation of Section 605 ( a ) 5, ( c ) 1 of the Fair Credit Reporting Act. The original creditor was XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX is a debt collector for XXXX XXXX XXXX. 

I am demanding Equifax remove the account from my credit file which is more than 7 years past the date of delinquency but Equifax is refusing to remove it. Also, XXXX and XXXX already deleted the account. 

The account officially defaulted on XXXX XXXX, 2008 because the account 's original contract clearly states default occurs when a bankruptcy petition is filed and I filed a bankruptcy petition on this date. ( See XXXX XXXX Contract page XXXX Section I ( XXXX ) " To the extent permitted by applicable law, I will be in default if : ... ( XXXX ) any bankruptcy proceeding is begun by or against me. '' ) On XXXX XXXX, 2008, I filed a Chapter XXXX bankruptcy petition in the Bankruptcy XXXX XXXX XXXX XXXX Texas in XXXX, and included this creditor and account in my petition. The case number was XXXX and a discharge was issued XXXX XXXX, 2008. The creditor was served. ( See the attached bankruptcy petition page XXXX, discharge order, service of process, as well as the promissory note ). 

Finally, XXXX XXXX included terms that were abusive for a loan of any type especially an alleged student loan. The interest rate was over 20 %, and the note was not certified by the University XXXX Pennsylvania or any University, College, or School. In fact, at the time the loan was issued, I was hospitalized and no longer a student at the University XXXX Pennsylvania. 

I am demanding this item get removed from my credit report with Equifax because it is past the 7 years reporting period and in violation of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 08-07-2016 about Bank account or service (Checking account) with CITIBANK, N.A. (NY).
Issue: Account opening, closing, or management

Complaint: When I opened my citi gold checking account with Citi I was told I would get XXXX XXXX airlines miles if I met certain conditions. I chatted with a citi representative during the promotional period and they said I had met all but one of the requirements, an online bill pay, which I proceeded to then complete on XXXX XXXX. I still have not received the miles and I have contacted Citi 4 times over the course of a month about the issue with no resolution or even response from the appropriate team. I will attach the promotion details, the conversation I had with the citi representative promising the miles if I completed the bill pay as well as the statement showing the bill pay on XXXX XXXX. I have also attached the XXXX statement showing that I met the other requirements, but the rep conversation should be enough to show that those requirements were met.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/16/2017 about Debt collection (Medical) with WAKEFIELD & ASSOCIATES, INC. (IL).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: In checking my credit report, there is a collections report from an collection agency representing XXXX. It says I owe money to them for services rendered XXXX XXXX, 2016 for the amount of {$470.00}. While I did receive services from XXXX, I also had insurance that was never sent a claim from XXXX, and a XXXX my secondary insurance that never received a claim from XXXX. Now this collections agency is showing up on my credit report. I do n't appreciate it being there. What can I do?

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 07-10-2017 about Debt collection (Credit card debt) with SYNCHRONY FINANCIAL (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I had couple salesmen come to the door and pressure me into having a new roof insulation and solar panels..   They were such nice young men that I went forward with the plan. Had the new roof put on insulation plus radiant barrier. I waited about 2 months and I woke up about the {$44000.00}. dollar decision I made. I got cold feet and backed off after paying th  em {$11000.00}.
But they may have pulled out {$15000.00}. from the Synchrony Financial because they keep billing me, calling me. I keep telling Synchrony I do   n't owe them that money.   I have paid bank stubs and can prove I paid {$11000.00}. for roof and insulation.   The {$15000.00}. shows on my credit report and has ruined my credit.   I want it off. I have spoken to the young men but it means nothing to them.   I wonder how many more old folks they took advantage of.

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 08-09-2017 about Debt collection (Credit card debt) with Alliance Data Card Services (GA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Back in XX/XX/XXXX-XX/XX/XXXX, I noticed that there was something on my credit report that did not belong to me. So I sent them a letter disputing the information, therefore they deleted it off all of my credit reports. My wife received a call on today XX/XX/XXXX from a restricted number stating that they have some legal documents for me to sign. When I told them that it did not belong to me they gave me the telephone number ( XXXX ), and then they told me to hire a lawyer because they are suing for fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 07/14/2016 about Debt collection (I do not know) with Receivables Management Partners, LLC (TX).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I have asked Financial Control Services to validate a collection they are reporting on my credit reports on XXXX/XXXX/16 and they have failed to provide anything that would support the fact that they are attempting to collect on a debt without an agreement or contract. Nor have they supplied anything other than a statement on one of the collections. I told them that I would be reporting them to you but they obviously do n't fear you because they failed to delete themselves or answer questions about the debt ( s ) that they are using to damage me financially. Its damaging my credit and it is important to me.

Company response to consumer: Closed with explanation
Consumer complaint received 03/21/2017 about Consumer Loan (Vehicle loan) with CITIZENS FINANCIAL GROUP, INC. (NY).
Issue: Managing the loan or lease

Complaint: I have/had a loan with Citizens One Bank, XXXX, RI, Loan Number XXXX. This loan was procured for me by XXXX of XXXX, New York when I purchased my vehicle from them in XX/XX/XXXX. The loan was for a XXXX. This is one of the diesel cars that XXXX claimed was a fuel efficient vehicle and which was proved not to be and there is a large claim and settlement for this fraud on the part of XXXX. I sold my car back to XXXX on XX/XX/XXXX and I have a letter stating that, as part of my settlement, XXXX will pay Citizens One the entire balance of my loan which at the time of the filing of the claim was {$19000.00}. XXXX did indeed pay the loan on XX/XX/XXXX, and I was told by Citizens One, when I called them to confirm the payoff, that XXXX paid more than the amount due. They were going to issue a check to me for the overdue payment. I received my lien release letter on XX/XX/XXXX, but no check was included with the letter. When I called to ask about the check, Citizens One informed me that the money sent to pay off the loan had been reversed but could give no explanation. I contacted XXXX numerous times and finally on XX/XX/XXXX, and they could not give me an explanation either, only to say it would take 10 days to get me an explanation. I did n't have 10 days because Citizens One expected me to pay the upcoming loan payment on XX/XX/XXXX even though I no longer own the car. I will be filing a separate complaint about XXXX but Citizens One refused to take any documentation from me for the proof of the responsibility for this loan payoff and XXXX and Citizens One are not speaking to each other, even though I have given XXXX the contact numbers and Citizens One refused to take any information from me. A loan dept supervisor named XXXX very nastily told me that Citizens One does n't care what happened to the car, that I am the owner of the loan, and that payment was due and my credit would be adversely affected. Yesterday, I received two conflicting letters from Citizens One. One letter claiming my loan was paid off and the other letter sending me a copy of the check XXXX sent to them which was returned because XXXX apparently put a stop payment on the check. Today, I tried calling all the numbers I could find for Citizens One and their automated phone service would not respond to any of the prompts. I tried each number 2-3 times and the computer generated prompts just kept repeating the prompt numbers, press 1 for ... .etc. No matter what prompt I pressed, the message just kept playing. I have a letter from XXXX stating they will pay off my loan and now the loan is in arrears because XXXX has completely screwed up this whole transaction. I would really appreciate an intervention by any party that can assist me with getting these two entities to talk to each other and stop jerking me around. I also need that loan paid off ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 02/14/2018 about Debt collection (Payday loan debt) with COMMUNITY CHOICE FINANCIAL, INC. (OH).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: repeated phone calls from XXXX, XXXX, XXXX XXXX? calling regards to a debt that was paid in XX/XX/2017. I verified that the debt is indeed gone. They know my full social security number. When I questioned them stated will file a federal warrant for my arrest and that I have to go to court in XXXX County where I live ... ....

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 10/16/2017 about Vehicle loan or lease (Loan) with PRESTIGE FINANCIAL SERVICES INC (TX).
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint: OnXX/XX/XXXX when I purchase my vehicle, dealership and Prestige stated that after one year of successful timely payments that I will be getting a lower interest under XXXX percent. 
Is alreadyXX/XX/XXXXand the promises that Prestige Financial Services has n't been implemented. 
Also my balance of my XXXX XXXX XXXX of XXXX miles is not lowering because of the high interest rate of 17 %. I purchase vehicle on XX/XX/XXXX for {$20000.00} and my present balance is at {$18000.00}. 
I am having a very difficult time in selling my vehicle because Prestige payoff is around {$18000.00} in which my vehicle is only worth around $ XXXX {$14000.00} on XXXX XXXX XXXX and with a trade in value of {$13000.00} if my vehicle loan is paidoff, in which is not paid in full. 
Also I just receive a Safety Recall Notice on my XXXX XXXX XXXX XXXX on XXXX XXXX and I have a very safety concern. I took my vehicle to XXXX XXXX on XXXX XXXX at XXXX for Safety Recall at XXXX XXXX XXXX, XXXX XXXX XXXX CaliforniaXXXX XXXX. 
Also, because of XXXX Recall there is a XXXX XXXX XXXX against XXXX in which my name was included on lawsuit. 
I feel very unsafe on this vehicle that was sold to me on XX/XX/XXXX and dealership in XXXX, Texas failed to provide me the inspection report as I requested and dealership did n't want to provide on safety report on my vehicle when I purchase onXX/XX/XXXX. 
I had safety issues when I drove from XXXX, Texas to XXXX, Texas when I purchase vehicle on XX/XX/XXXX I took my vehicle to a XXXX, Texas mechanic shop onXX/XX/XXXX and mechanic revealed safety issues and I had to pay the charges on safety issues. 
Bad tires, wheel alignments, bad battery, change of oil, etc there was a charge of around {$1000.00} I am in California on my XXXX XXXX Medical Treatments with my XXXX XXXX XXXX. 
I am XXXX and XXXX and a XXXX XXXX XXXX XXXX XXXX. 
Notice : I am sending evidence of documents to CFPB by email. 
Very Urgent Matters.

Company response to consumer: Closed with explanation
Consumer complaint received 07-10-2015 about Credit card () with AMERICAN EXPRESS COMPANY (PA).
Issue: APR or interest rate

Complaint: In XX/XX/XXXX I received a letter from American Express stating that my APR was going to be increased. I called in XXXX XXXX to object to this increase to 15.24 %. I spoke to a representative named XXXX at XXXX, who put me on hold to speak to his supervisor to discuss my objection. He came back to the line and told me he was happy to tell me that my APR rate would not change and would remain at its original APR which was 10.24 %. I documented the employee 's name, date and time of call, and he gave me a reference number which is XXXX. When I received my XX/XX/XXXX bill I saw that my APR had been increased although I was told it would not be increased. I called and I spoke to XXXX representatives, XXXX supervisors, and a manager. I spoke to XXXX on XXXX/XXXX/15 @ XXXX XXXX ; he passed me on to his supervisor XXXX. XXXX told me he could submit a request for my APR to be reduced and file a complaint, but that was all he could. I was very frustrated as I wasted my time talking to them. I called American Express back during normal business hours the following afternoon, hoping to get better results. I was disappointed. I spoke to XXXX this time and he told me he could not do anything for me, so I asked him if I could speak to his manager. He encouraged me to push the issue as far as I needed to in order to get what I needed. He then passed me to his supervisor named XXXX. XXXX said that all he could do was offer me the XXXX dollars to compensate me for the increased APR on the purchases I made. I then asked to speak to his supervisor and he gave me XXXX. She was based in XXXX XXXX, Florida. She told me the same this XXXX said and was very apologetic. I accepted her apology, but told her that I wanted her company to keep their word and keep reduce my APR back to 10.24 % since they told me it would not be increased. They each told me that they do not know why the representative told me my APR would stay the same because he does not have the authority to do so. I told each of them to listen to the recording of the phone call, because he left to speak to a manger during the call. I am upset by this ; I made purchases on my card believing my purchases would be at my 10.24 %. The American Express employees that I spoke to said the best they could do for me is give me XXXX dollars to cover the difference in the APR for the next few months. XXXX dollars does nothing for me ; I want them to keep their word and reduce my APR back to my original 10.24 %.

Company response to consumer: Closed with monetary relief