milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04-09-2015 about Bank account or service (Other bank product/service) with Experian Information Solutions Inc. (FL).
Issue: Using a debit or ATM card

Complaint: The problem is with EXPERIANTo know my score I paid {$1.00}, that is how they get my debit card information and they have been charging from XX/XX/XXXX to present the monthly amount of {$19.00}. Could not make it stop. 

XX/XX/XXXX Debit Card Transaction Experian *CreditRep XXXX CA XX/XX/XXXX $ XXXX Debit Card Transaction Experian *CreditRep XXXX CA XX/XX/XXXX {$19.00} XX/XX/XXXX Debit Card Transaction Experian *CreditRep XXXX CA XX/XX/XXXX {$19.00} XX/XX/XXXX Debit Card Transaction Experian *CreditRep XXXX CA XX/XX/XXXX {$19.00} XX/XX/XXXX Debit Card Transaction Experian *CreditRep XXXX CA XX/XX/XXXX {$19.00}

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/31/2017 about Debt collection (Medical debt) with Paul Michael Marketing Service (NY).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: On XX/XX/XXXX, I checked my credit score and I noticed that XXXX XXXX XXXX made a derogatory remark on my credit history. It says that the account was opened on XX/XX/XXXX and the original creditor is XXXX XXXX XXXX. In XX/XX/XXXX I have not been to the doctors nor did I have any blood work that involves XXXX. XXXX XXXX XXXX has never contact me nor sent me a formal letter and proof that I owe such debt.
T
he Original creditor did not try to contact me of this debt at all. They have not shown proof that I owe such debt. It is unprofessional and irresponsible to put a derogatory mark on my credit history without proving and notifying of such debt. It has dragged my credit score down.
I therefore disputing the above-referenced debt. Please verify this debt as required by the Fair Debt Collection Practices Act ( FDCPA ) ( Section 1692g ) and XXXX XXXX XXXX Administrative Code ( section 20-493.2 ). XXXX XXXX XXXX regulations require all debt collectors to send specific written documentation verifying the debt. Under section 2-190 of the Rules of the City of XXXX XXXX,  verification requires all of the following : Proof of my agreement to pay the original creditor ; A copy of the final account statement issued by the original creditor ; A breakdown of the total amount due, showing principal, interest, and other charges ; and For all other charges, the date of and basis for each charge I dispute this debt because I DO NOT OWE THE DEBT nor RECOGNIZE SUCH DEBT, and according to the information you sent me I never received such service for which Im being charged in the first place. Because I am disputing this debt, you should take the derogatory remark on my credit score immediately and PLEASE NOTIFY THE CREDIT REPORTING AGENCIES THAT THE DEBT IS BEING DISPUTED AND/OR DELETE THE TRADELINE FROM MY CREDIT REPORT. Reporting information that you know to be inaccurate, or failing to report information correctly, violates the FDCPA and the Fair Credit Reporting Act. Aside from verifying the debt, do not contact me about this debt. The FDCPA and Rules of the City of XXXX XXXX ( section XXXX ) require that you honor this request. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 09-11-2015 about Bank account or service (Other bank product/service) with WELLS FARGO & COMPANY (CA).
Issue: Account opening, closing, or management

Complaint: I was offered a pre-qualified " Business Line of Credit '' from Wells Fargo on XXXX XXXX, 2015. I denied credit based on financial information from what I was told by a Representative of Wells Fargo, from " old financial archives '' from XXXX of a " charge-off '' of a credit card from Wells Fargo which is no longer on my Credit Bureau Agency or other reporting financial agencies. I was then told that " once you write off bad debt or charge offs, Wells Fargo never approves application for lines of credit or loans ... '' I have a high credit rating of XXXX - XXXX which is cited in their denial letter. Even though they stated in the letter that negative information on my Credit Bureaus was used to determine my application result. But yet, on the phone with a manager, I was told that " old financial archives from Wells Fargo was used. I asked them were they using my race and location of my business as factor for denying me a " business line of credit ''? Of course, they responded that " this was not the case '' but no good explaination was given for my denial of a business credit line other then a " consumer credit card charge off from XXXX ''. I believe Wells Fargo is using unfair business practices and discriminated towards my application based on my XXXX location.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07-03-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with TRANSWORLD SYSTEMS INC (LA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: On XX/XX/XXXX We sold a Ford F250 truck to an individual. We did not remove the license plate from the vehicle at the time of sale. The new owner apparently did not register the vehicle in his name and acquire a new license plate. He acquired XXXX parking violations ( XX/XX/XXXX and XXXX ) which totaled {$20.00} each plus penalties, for a total of {$160.00}. He failed to pay the tickets and we were sent the citations, because the license plates still showed us to be the owner. When the City of XXXX XXXX sent us the citation I sent them a letter and copy of bill of sale and title transfer. They continued to send notices and I would each time send copies. They referred the matter to XXXX XXXX XXXX and they began harassing calls and letters. I sent them the copies as well. XXXX XXXX has now passed on the debt to Transworld Systems who has continued the harassment. I copied them on the same information on XX/XX/XXXX. In response, On XX/XX/XXXX I received their " validation, '' which is the same info of the date, time, ticket #, truck plate. I want all correspondence to cease regarding this debt which is clearly not ours. In addition to the collection agencies we also had a revocation of motor vehicle registration privileges placed on us by the XXXX DPS, which required more documentation and time to clear up.

Company response to consumer: Closed with explanation
Consumer complaint received 11/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (KY).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XXXX XXXX XXXX ran my credit 7 times on XX/XX/2017. I tried disputing this through the credit bureaus. They each told me that I need to speak with the creditor. I contacted each individual company that ran my credit on XX/XX/2017, they all stated that XXXX XXXX XXXX ran the report in order to apply for the best rate for a car. I emailed the general manager of XXXX XXXX  XXXX. He stated the application was submitted online. He could not provide me with an electronic signature. I demand these inquiries be removed from my 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 01/27/2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (TX).
Issue: Using a debit or ATM card

Complaint: Some XXXX made a duplicate copy of my debt card and made purchases in todays of a total of {$450.00} in XXXX, Texas. My bank contacted me to inform me of the fraud activities and I put a claim in to get my money back. I also cancel the card are will change my pin once I receive the new XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 01-03-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NJ).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint: I have multiple dispute issues with Experian and XXXX that are not being corrected per the FCRA. I 've consulted with my attorney and was notified that neither the credit bureaus or the creditors have the right to report disputed information that has not been legally verified. I 've researched and found XXXX XXXX XXXX XXXX, wherein Congress states that the only legal form of verification per the FCRA is possessing and producing proof of their claim. Otherwise, it 's only hearsay. Congress further states that the burden of proof is on the creditors and credit bureaus - NOT the consumer. 

Here is my dispute to Experian and XXXX for XXXX XXXX ( below ). Due to the fact that no legal proof was produced to verify this late payment on XXXX XXXX, this account must be deleted immediately : Im well aware that my credit report is showing inaccurate items, and Im appalled at the so-called investigations that have been performed on my behalf. Ive consulted with my attorney and have been informed that without the physical documentation to back up your claim that this has been verified, it does not meet the requirements of the FCRA. Ive disputed directly with the creditor as well and was told that at no time was any documentation sent to you to validate my disputes. How can this be verified? The only legal verification for this supposed late payment on XXXX XXXX would be for you to furnish XXXX bank statement proving when my payment was accepted.. Congress states in XXXX v XXXX XXXX, that the burden of proof is on the credit bureaus and creditors to verify and not the consumer. Please see the enclosed 6-page lawsuit which outlines my proof. 

This account must immediately be deleted at once, in consideration of the fact that you never legally verified this unverifiable late payment. 

Any correspondence received to and from you will be made available to my attorney as well.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01-11-2018 about Debt collection (Medical debt) with First Federal Credit Control (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: FIRST FEDERAL CREDIT CONTROL need more info what the collection is for. never used the service never notify that I have an account

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: XXXX XXXX XXXX keep updating payment history to extend time the account remain on the credit file. Last payment was made XX/XX/XXXX.. There reporting two payments on XX/XX/XXXX and XX/XX/XXXX. I never made those payments they are reporting. This account should have been deleted after the 7 year mark.

Company response to consumer: Closed with explanation
Consumer complaint received 01/23/2018 about Student loan (Private student loan) with WELLS FARGO & COMPANY (MN).
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint: I recently refinanced my XXXX Wells Fargo loan with another company, XXXX. As ofXX/XX/XXXX, the XXXX balance of my loan was transferred from my Wells Fargo student loan account to my new XXXX account. The remaining balance on my Wells Fargo student loan account was approximately {$150.00}. Upon checking my Wells Fargo accounts on XX/XX/XXXX, my student loan account shows a balance of XXXX, plus a late fee dated XX/XX/XXXX. The loan statements show no record of the loan transfer.

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 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (VA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax had a major security breach and my information was stolen. I did not consent for this to happen, and am now going to have to spend my limited time and money mitigating this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 05/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint: I have notif ies Eqifax on multiple oc casions that my report does not reflect any of my credit accounts, they dont give any information on the phone and keep directing me to the creditors who say they are reporting. My accounts shows up on other repoting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 04/16/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (AZ).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: I have been working diligently to improve my credit scores and to my surprise today XX/XX/2017 Navient updated interest to student loan appearing on my credit report which caused a XXXX point decrease. They have remarked that my account is in a deferment status so how and why is interest being updated on my credit report. Further more no one at Navient has explained to me what a forebarence means vs deferment. No one has truly helped me to understand my options and what to do about student loans. This incident truly devistated me and I am in a very depressed state because of this. I have no clue as to what to do for this student debt to help my credit and not hurt it. Because of that kind of decrease it could cause other lenders to decrease my credit limits or deny me credit. This whole time I was not made aware of what a forbarence is.. or how it can affect me. At this point Navient needs to recalculate all interest on the student loan debt and be more detailed in ttheir explanation of what I should do. I am also seeking consolidation as 10 separate payment transactions will cause suspicious activity alerts to the institutions I would have to use to even make payments. I do n't agree with the infest that keeps getting updated that is affecting my debt to income ratio I thought evrything was on deferment and I surely did not know that my scores would fall because of interest reporting to the credit bureau

Company response to consumer: Closed with explanation
Consumer complaint received 12/20/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint: I disputed several medical collections in my credit file with all XXXX CRA 's. Once the investigation was completed and " verified '' I contacted the CA directly. To make a long story short, there was an issue with my particular insurance company so the accounts would be removed from my credit file. I sent in a copy of an email that I received from the CA to the CRA 's. They verified that they did receive the email. I was told that was not enough for them to remove the accounts ( the email had the senders ( CA Supervisor ) contact information, phone, email and fax number. All they had to do was call them. Once I received the actual deletion letters from the CA 's, I sent in the copy 's to the CRA 's ( all on company letterhead ). I called and verified that they did receive the letters. Still the accounts are in my credit file. I am trying to get a mortgage. Since sending the request to deleted the interest rates have increased and who knows whether the rates will increase again by the time they remove theses items. I informed the reps of this. I do n't understand why, if you have letters from the creditor saying delete the accounts, why it 's taking nearly a month to get them removed? I am still waiting ... ...

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/29/2017 about Vehicle loan or lease (Loan) with SANTANDER CONSUMER USA HOLDINGS INC. (GA).
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint: Auto loan contracts require one to maintain comprehensive and collision physical damage insurance on behalf of the lender throughout the term of the loan. I already had insurance coverage and a shop where repairs could be handled if necessary. Therefore, this additional coverage was neither necessary nor required. However, Santander through its third party representative, XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX ) placed XXXX XXXX XXXX insurance on the vehicle in 2013, and I was not made aware of the charge at the time. The additional charges financially harmed me totaling {$2500.00} dollars which was never refunded. I contacted the company and requested cancellation which was approved and was informed that Santander Consumer USA would be responsible for refunding the dollar amount applied to the loan within 8-10 weeks. ( See attached letter ). However, as of this date, I never received anything and it resulted in a high loan payment. Subsequently, I contacted the company and requested that they come and pick the vehicle up and advise me of the date of their arrival. Santander is reporting that the amount was charged off with an incorrect amount in which they doubled to make it show up on my credit report as thou I owe them {$5100.00}. Santander never refunded the {$2500.00} illegally added to the account.

Company response to consumer: Closed with explanation
Consumer complaint received 07-03-2017 about Mortgage (VA mortgage) with Dovenmuehle Mortgage, Inc. (TX).
Issue: Struggling to pay mortgage

Complaint: In XXXX 2017 I reached out to my Mortgage company in regards to an employment hardship that rendered me unable to make full payments to my mortgage company, Dovenmuehle Mortgage. I sought options to make partial payments until I was able to make the full payments. They informed me that they did not take partial payments and informed me of their Loss mitigation process. They also so gave e information about HUD approve advocacy agencies that could assist me in filling out the package.At that time I started the modification process I was 90 days ( {$2200.00} ) behind on my mortgage and I wanted to get help as soon as possible before I got severely behind. I started working with XXXX who helped me fill the paper work and I also was working with XXXX XXXX a mitigation officer at Dovenmuehle Mortgage. I was assured that while I was going thru the modification process my loan would not go in to Acceleration or foreclosure however on XXXX XXXX, 2017 I was sent a certified letter of Acceleration from my mortgage company. Its been three months and the Mortgage company has not responded to me or XXXX other than my file is be processed. I feel threatened that I may lose my home.

Company response to consumer: Closed with explanation
Consumer complaint received 10/15/2017 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: Terminated the lease of the car in XX/XX/2017. The finance company resold the car for more and will not remove the account from my credit after multiple requests to do so. Fraudulently submitted an auto claim to my insurance company without my knowledge or approval. Repeated phone calls to personal phone, employer and credit inquires

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 03/28/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (GA).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I have several loans serviced by XXXX /Navient. I was informed several times that my there are not program to reduce the loan payments. Therefore, I requested several forbearances which increased the loan amount. I missed several payment which were reported on my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 04-06-2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Account opening, closing, or management

Complaint: I recently called BofA to inquire about a credit card payment. The representative who answered my called was asking me for the XXXX digit code number at the back of my debit card after giving out the my debit card information. This should be a cause for a concern. My debit card can be comprised because having giving out my debit card information and the XXXX digit code it can be used for something else. And BofA should stop doing this to its customers as a way of verifying their account.

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 07-05-2017 about Checking or savings account (Checking account) with CAPITAL ONE FINANCIAL CORPORATION (NY).
Issue: Closing an account
Sub-issue: Company closed your account

Complaint: As a reported identity theft, i notify to Capital one 360 and capital one with a checking account and savings account i used to had with them, so after few days review, they reopen my account, but they continue on " internal verification '', so after 2 weeks probably, they closed my accounts, and say they ending relationship with me ... but im sure that can change because i made the report based on my identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 03/20/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: Experian reports a public record of chapter XXXX petition in which there is no plaintiff, no liability and no status.

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