milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CarMax, Inc. (GA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I am writing to dispute the following information in my file. I recently received a copy of my credit reports  (  XXXX ,  XXXX , and   XXXX   ). The credit report showed credit inquiries that I dont recall authoriz ing. I understand that you should not be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file with all   XXXX   credit bureau agencies because it is making it very difficult for me to acquire credit.     The FCRA states that the only permissible purpose for pulling someones credit is for : A. Firm Offer of Credit B . Insurance C. Employment D. Court Order Pl ease remove these inquiries from my credit reports immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 02-11-2018 about Checking or savings account (Checking account) with WELLS FARGO & COMPANY (CA).
Issue: Managing an account
Sub-issue: Fee problem

Complaint: On XX/XX/XXXX, Wells Fargo charged my account a fee of {$3.00} for Online Deposit Details & Images service. 
To date, this {$3.00} fee has been charged to my account ( s ) in about 5-8 occasions. Each time I had to contact Wells Fargo to reverse the charges. Charges have been reversed for the incident on XX/XX/XXXX as well. 

- On XX/XX/XXXX, as previous, I have not used the Online Deposit Details & Images service - They claim that 'he or she will be prompted to accept a fee of {$3.00} '. I have not seen this, nor have I accepted to pay the fee anywhere else - This time they have completely removed all traces of the {$3.00} debited from my account This seems like another unauthorized charge/ fee by Wells Fargo Bank on its account holders. Request CFPB to investigate if this is another widespread illegal charge by Wells Fargo on its account holders.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/24/2017 about Debt collection (Credit card debt) with Protas, Spivok & Collins, LLC (MD).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: Protas, Spivok and Collins ( PSC ) works for debt collectors, s uch as  XXXX   XXXX  and  XXXX    XXXX   to unethically garnish wages and collect on debts already paid. See online complaints :   XXXX   XXXX    XXXX  Report : #  XXXX  and   XXXX   XXXX    XXXX  Report : #  XXXX  Mine is yet another case of  Protas, Spivok and Collins going after a debt already paid. I paid my debt ( for a credit card ) i n   XX/XX/XXXX .  It is now 13 years later,  XX/XX/XXXX . I have documentation that the debt was paid. PSC is not willing to accept it. They put a court order through to garnish my wages at 25 %. I created a motion to vacate judgment ... but it takes time. The garnishment will begin before the case can be heard. I contacted my bank to see if I could get an old bank statement or cancelled check, but banks keep their records for 7 years only. They can not go back further than this . PSC knows this ; it is a part of their strategy. Many people shred records after 7-10 years. PSC knows this and counts on this as well. Others who have complained said that PSC came after them 13 years after they paid a debt, just like me. PSC also charges interest on all the supposed years the debt was not paid, so my debt, just like the others who have complained is 3 times the amount of the original debt that was ALREADY PAID. Protas, Spivok and Collins are extortionists and need to be stopped. Too many people 's lives and wages  are being drained and damaged by their unethical debt collection practices years after records are destroyed.

Company response to consumer: Untimely response
Consumer complaint received 05-11-2017 about Debt collection (Other debt) with Diversified Consultants, Inc. (PA).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: Diversified Collections just reported that I have a balance owed to  XXXX   XXXX  on my credit report. On top of not having a balance owed to  XXXX   XXXX , Diversified never gave me a notice of my right to contest the debt, prior to it appearing on my credit report. It just showed up  one  day.

Company response to consumer: Closed with explanation
Consumer complaint received 12/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (KY).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: There are many mistakes appear in my report without my understanding.

Company response to consumer: Closed with explanation
Consumer complaint received 11/25/2017 about Debt collection (Private student loan debt) with Navient Solutions, LLC. (NY).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I have a program set up with Navient that automatically debits my loan payment and they have been taking my monthly payment out for almost a year now. All of a sudden I am getting late payment fees, even though my payment has been automatically debited on time for months! I called Navient and they said do n't worry it was a mistake in the computer and to ignore it well then today I get a notice that my credit score went down for delinquent/late payments to Navient!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MI).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint: On XX/XX/XXXX, I received an alert from Equifax Gold Credit Watch service that my XXXX XXXX account balance had increased {$1900.00} to {$2300.00}. I immediated checked my XXXX account, and there was no such transaction current or pending, or any balance nearly that high past or present. I used the Equifax service to check my credit reports from all 3 bureaus. There was no such transaction at any of them. I have had a freeze at all 3 bureaus since XX/XX/XXXX and when I checked, none had reported any fraud activity or credit check attempts. 

The Equifax service provides no additional information. I contacted them to ask them what this alert was based on. I was told it was up to me to investigate, that the alerts are usually " routine '' and might be up to 90 days old. In fact, the last transactions showing on my credit report for my XXXX account is fromXX/XX/XXXX!! I replied that I did investigate and found nothing, and needed details regarding the account number, date of transaction ( s ), vendor, etc. I was told again it it was up to me to investigate. They have refused ( or are unable to ) give me any information on this alert. In my attempts to talk to someone on the phone I have been put on hold, dropped on a transfer, and still not gotten any information. 

By their own admission, this is not an " early warning '' alert. It does not, apparently, reflect what is happening on your own credit report. Not only does Equifax not provide accurate information -- they do n't provide any at all!

Company response to consumer: Closed with explanation
Consumer complaint received 05-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with On-Site Manager, Inc. (CA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I became aware of  XXXX  credit accounts and the  XXXX  collection accounts associated with the original credit accounts in  XXXX    XXXX   when  On-Site.com ran a tenant screening on me. The accounts are the result of i dentity theft. I have filed a report with the Federal Trade Commission and my local police. I disputed the accounts with On-Site and supplied them with the reports from the FTC and the police.    On-Site r efuses to block or remove the fraudulent accounts. Additionally, they have not provided me with any proof of investigation into the matter on their end.  On-Site  continues to report inaccurate information. The accounts in question are   XXXX   XXXX   XXXX  ,  XXXX ,  XXXX ,  XXXX , and  XXXX . The collection accounts associated with the accounts are  XXXX   XXXX  x  XXXX ,  XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX . These accounts are all the result of identity theft.   I have submitted disputes for all the accounts with On-Site o n 3  separate occasions. On-site has done nothing other than add my statement to their report.

Company response to consumer: Closed with explanation
Consumer complaint received 04-12-2016 about Consumer Loan (Vehicle loan) with SECURITY NATIONAL AUTOMOTIVE ACCEPTANCE CORP (CA).
Issue: Problems when you are unable to pay

Complaint: As you probably know, XXXX is not a good choice when it comes to getting a loan or settling issues with these guys. Recently my car was repossessed due to inaccurate information given as well as deceitful tactics to get payments out of me. recently I just came back from XXXX and my finances were were not in order. So im basically playing catch up. I spoke to rep. in XXXX regarding my payments as I was 4 months behind. I told the rep I could pay 2 months which totaled out to be XXXX. She then said I qualified for a deferment program since a years worth of payments on time and my account would be current.. needless to say I never saw those deferment documents after calling and asking about it nobody seem to know anything. So with that being said My car was charged off and repossessed because of non payment. I wen tot an organization that was willing to pay the amount owed to get my car out of repossession status. The rep I spoke with was fully aware of what we discussed I repeated the terms over and over and she agreed and told if I paid that amount my car would be released to me. So the company called to get the car she had no recollection of what I was talking about so that 's twice in a matter of months either their incompetent or full of scams. Ive read one too many stories about this company.

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 09/16/2016 about Credit reporting () with EQUIFAX, INC. (CO).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: I previously disputed items with XXXX, and all of them were deleted without issue. I signed up for a credit monitoring service called " XXXX XXXX '', and discovered items I have never seen before on my Equifax credit report. I attempted to submit an online dispute through Equifax on XXXX/XXXX/2016 for all the items I found. Equifax would not allow me to pull my online credit report and dispute the items, despite having received my reports that way before. I had to call and speak to a live person. I talked to XXXX ( XXXX, XXXX ), and went through every single item I wished to dispute. I spent 45 minutes on the phone disputing each item individually. There were a total of XXXX items ( XXXX medical, XXXX utility ). When I received the final report, they did not delete any of the items, and said they were all mine. The utility bill on my credit report did not belong to me, and XXXX deleted it when I disputed it with them. Yet, Equifax says it was mine, and refused to delete it. It was a XXXX utility bill, for which I had never signed up for services. I was not living in the state where services were contracted at the time, and the item could not have belonged to me. 

As for the medical bills, I began receiving automated calls from XXXX XXXX As I had no idea of the existence of the bills at the time, I assumed it was someone trying to scam me and did n't initially respond. After I contacted XXXX XXXX regarding the disputed items, I was told that they are medical bills from XX/XX/XXXX-XX/XX/XXXX. I never received bills for any of the items. I contacted the original creditor, XXXX XXXX, who confirmed that the bills were likely sent to my physical address. Where I live, mail sent to a physical address will be returned. I never received the bills, and now it is causing major damage to my financial health. XXXX XXXX is now haranguing me for full payment. However, these bills should not be in collections, as I never received them. I should not suffer, because someone at XXXX XXXX 's was not competent enough to mail the bills to my given mailing address. 

I called to dispute the items on XXXX/XXXX/2016. The report states the investigation was completed XXXX/XXXX/2016 and I did not receive the report until XXXX/XXXX/2016. I do not feel my credit disputes were thoroughly investigated, and Equifax clearly was not listening to me when I tried explaining the confusion that my mailing address was causing. I was very clear with the agent when I explained that either they were n't mine, and if they were mine, it was the first time I was learning of their existence, as I did not get the bills. It 's my belief that through the language barrier with the agent, she did not clearly understand my dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 07/14/2015 about Debt collection (Medical) with Columbia Collection Service, Inc. (OR).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I started paying this debt through garnishment XXXX 2014. At the end of XXXX 2014 I was laid off from my full time job. I tried to contact Columbia Collections Services multiple times to pay the remaining part of the bill in full but was never called back. For the last year I have left messages weekly for XXXX, the rep in charge of my account with no response. I have also called the lawyer on file and left messages and never got a response. Instead of letting me pay my debt, Columbia has tried to seize my bank funds twice and has issued garnishment papers to multiple places that I did n't even work at. This process of filing new papers over and over has resulted in over {$2000.00} in fees on an original debt amount of {$1100.00}. I wanted to settle this debt over a year ago and have n't been given the opportunity. I feel like this is unfair and should be illegal. Especially given this debt was from a medical bill that I should n't have even aquired. Columbia is now garnishing XXXX % of my income monthly and still wo n't call me back. My boyfriend has been calling everyday as well trying to pay the debt in full and is also being ignored. 
I am writing you this letter to file a complaint. I am not the first person who this has happened to. When you look Columbia up online, you find nothing but complaints of many people going through very similiar situations. I have since paid my debt back and I understand having some added interest, but doubling the debt is absolutely ridiculous. Had they let me pay it in full, the fees would 've never grown like they have. I would appreciate your assitance in this matter so that I can pay off my debt in full without having to pay the additional amount being charged as a result of the unethical and unprofessional behavior that Columbia Collections Services Inc. has exhibited over the past 18 months. 

Best RegardsXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 09/28/2016 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: XXXX lost XXXX of my payments made in XXXX XXXX which were made in agreement for a deferment to secure my loan. As a result of their negligence in losing my payments which made the account more delinquent than it actually was and subsequently caused them to repose my vehicle on around XXXX XXXX XXXX. I disputed the missing payments with them by sending official bank statements and the bank ( XXXX XXXX ) speaking to them verifying the payments were made and on what days. XXXX XXXX refused to accept my official bank statements, debit card transaction and payment receipts as proof of payment. XXXX also never sent me any documentation about the repossession or the auction within the 14 day time frame as required by law. I filed a dispute against XXXX XXXX concerning the documentation that I nor the primary borrower received with the XXXX. XXXX XXXX claims they sent the documentation but to an incorrect address despite the fact they had repossessed the vehicle from the very address that was on file. In fact XXXX is still reporting to the credit bureaus as if this account is open and active showing late payments from the month of XXXX XXXX up until now even though the status should reflect chargeoff

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 06/19/2015 about Student loan (Non-federal student loan) with SLM CORPORATION (MA).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: When I applied for Sallie Mae private loans I was assured over and over by their phone workers that I could make changes on my payments depending upon my finances. I currently pay {$750.00} a month to Sallie Mae and have been unsuccessful in getting them to change that. I made an official complaint through the CFPB about this and received a call from Sallie Mae offering to " work with me '' on my rate. They told me they were unable to change anything on my account because my cosigner and myself combined make enough income to pay my monthly fees. I am submitting a complaint because this was clearly far from transparent during the application process. Again, they assured me, based upon MY finances, not my cosigner 's, that I could make alterations in my payments. I was unable to make payments for XXXX months last year, and rather than put them on my cosigner, I was forced to go into forbearance, which ultimately led to an even higher monthly payment. 

My XXXX complaint is that my interest level is absurd, even having excellent credit. Half of my repayment is interest, and this, I feel, is exploitative. Sallie Mae can not carry on like this. I make regular on-time payments, and I demand a lower interest level.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 02/15/2018 about Mortgage (Conventional home mortgage) with WELLS FARGO & COMPANY (MA).
Issue: Struggling to pay mortgage

Complaint: We " had '' a repayment agreement with Wells Fargo. Unfortunately, our only vehicle was totaled. We do not live close to public transportation and even if so, it doesnt run during our working schedules.We struggled to get XX/XX/XXXX payments in by the end of the month. When I sent the a partial payment with a note and the remainder of the payment was in before XX/XX/XXXX as promised. 

I received a.letter from Wells Fargo stating that have still not applied and outstanding balance of {$730.00}, approximately, and I feel like their departments are not communicating with each other and WF now states they are moving forward with foreclosure. 

I have just returned to work and we have a chronically ill/suicidal daughter who meeds stability and a roof over her head. We just efiled our taxes and plan on using that refund to catch up on everything. We cant afford to lose our home even though we have had so many continuance bad luck with our circumstances and are just trying to catch a break. We will continue to send in XX/XX/XXXX agreed payment in full by the end of the month. I also just want to ensure the unapplied payment which should be included in the repayment agreement and WF is not double dipping and utilizing an automatic debit transaction to additionally pay this account. 

We just need a little more time. My daughters tax refund was deposited into her account within 2 weeks. We are hoping the same and we are willing to clear this up in full. 

Thank you for helping us save our home, which will ultimately save our daughter 's life.

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 03/20/2015 about Credit reporting () with EQUIFAX, INC. ().
Issue: Credit monitoring or identity protection
Sub-issue: Problem with fraud alerts

Complaint: I 'm a US citizen staying in XXXX, and because of a recent burglary, my identity was stolen and used. I was advised to report this to the credit bureau, Equifax through the phone. I called the Equifax number : XXXX but the automated system does n't take foreign address or phone number. It requires me to mail in my request and that will cause delay to set up the fraud alert.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08-02-2017 about Checking or savings account (Checking account) with JPMORGAN CHASE & CO. (CA).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: Chase responded with ridiculous reasoning -- Chase only deals with my former attorney XXXX XXXX, a rogue lawyer and my complaint as urged by California Bar Association is being filed. Chase is doing everything to steer me away while the bank illegally keeps the fund of around XXXX plus years of interest. Will call CFPB to discuss.

Company response to consumer: Closed with explanation
Consumer complaint received 03-01-2017 about Consumer Loan (Installment loan) with Big Picture Loans, LLC (IL).
Issue: Managing the loan or lease

Complaint: The loan agreement when I signed up for it was suppose to be paid once a month in the amount of {$140.00} and they are taking it every paycheck which is every two weeks, the other agreement when I applied was the pay back amount was going to be {$540.00} on a {$400.00} loan which is now closer to {$2000.00}. These are not the terms I had agreed to and they did not inform of such changes, I feel I was mislead and scammed, they completely changed the agreement and I 'm being told there is nothing I can do about it. Furthermore they say they are on tribal land so the laws do n't apply to them. The company is called Big Picture Loans.

Company response to consumer: Closed with explanation
Consumer complaint received 08-01-2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Making/receiving payments, sending money

Complaint: Somebody took out {$9500.00} from my business account thru online XXXX/XXXX/2016 without my permission.

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