milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/29/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint: I had this credit card with XXXX in XX/XX/XXXX, and it was closed when I lost my job ... It went to collection as I was new in the U.S. and young I did not understand the credit thing nor collections stuffs. And never heard and ended up forgot about it because I was in XXXX School. It was closed by XXXX as XXXX XXXX was the one powered the card I knew recently that XXXX XXXX sent to collection that account as a recent one.  Never had any commitment with XXXX XXXX, XXXX was the one. So it passed 7Years it closed, XXXX XXXX can not open it as a recent one. Please look below. 

Account NameXXXX/XXXX Account NumberXXXX Account TypeCharge Card ResponsibilityIndividual Date OpenedXX/XX/XXXX StatusClosed. {$530.00} written off. 
Status UpdatedXX/XX/XXXX And here 's XXXX XXXX Balance {$530.00} Highest Balance {$530.00} Opened XX/XX/XXXX ( 4 yrs ) Account status Open Type -- Responsibility Individual Remarks Account information disputed by consumer, meets FCRA requirements Original Creditor Name XXXX XXXX XXXX XXXX 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 08/17/2016 about Consumer Loan (Vehicle loan) with SANTANDER CONSUMER USA HOLDINGS INC. (CA).
Issue: Taking out the loan or lease

Complaint: Dear Sir/Madam, I am writing to complain you of actions by my bank. I purchased a car which I financed through Santander Consumer USA of Texas. On XXXX XXXX 2016 my car was damaged. XXXX ( insurance company ) sent to Santander Consumer USA Total Loss pay off check, which amount is {$13.00} XXXX. Santander Consumer USA received the check on XXXX XXXX 2016 that is confirmed by the account information. From that moment began to occur incomprehensible actions. 
On XXXX XXXX 2016 was posted information that only {$340.00} was paid instead full amount ( {$13.00} XXXX ). Then the amounts of {$680.00} and {$3.00} XXXX were posted on XXXX XXXX 2016. The balance was changed to {$10.00} XXXX. On XXXX XXXX 2016 also the amount of {$340.00} was posted. Even after spending several wasted hours trying to found out what happened, I did not get a clear answer. Different representatives told different untrue information. 
On XXXX XXXX 2016 I got the information that there was an error in my account and Santander Consumer USA will correct this error up to XXXX/XXXX/2016. Also, my auto loan will be ended. But nothing happened. They continued to place unclear data instead of correcting the error and close the loan. I was surprised I still have to make monthly payment on XXXX XXXX 2016. The balance was changed from {$10.00} XXXX to {$13.00} XXXX. I was upset to see the terrible data. They put me and my wife in a stressful situation. 
My attorney called them to ask what do I have to do. The supervisor told that Santander Consumer USA has all documentation from XXXX and I do not need to make monthly payment. But the data has not been updated yet, I still have to make a payment. I am afraid to get a bad credit score. I have read a ton of stories like mine. Probably, they want to get more money that they can get. 
Please, help me to resolve the situation. 
Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 10/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: My loans were transferred to another loan servicer. Before my loan was transferred they were in deferment status. XXXX are still reporting on my credit as late and failed to pay even though they no longer own my loan. Those loans are still being reported negatively on my credit report for all three credit agencies. I called and emailed XXXX several times to no avail. These negative black marks has had a negative impact on my credit score and they are stopping me from completing the process of purchasing a home.

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 05-12-2015 about Consumer Loan (Vehicle loan) with SANTANDER CONSUMER USA HOLDINGS INC. (WA).
Issue: Managing the loan or lease

Complaint: I was reported XXXX days late from Santander Consumer usa in the months of XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX. The report was not showing late payment until XX/XX/XXXX. I made all payments on time and do not understand why they added these late payments to my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 08-04-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with WELLS FARGO & COMPANY (CA).
Issue: Closing your account
Sub-issue: Company closed your account

Complaint: On  XXXX / XXXX /2017 I receive a one page letter from Wells Fargo Card Services dated  XXXX / XXXX /17 stating that my credit card has already been closed due to other bank cards and 6 months of inactivity. please destroy your card immediately as it will not work. I 've never been late, delinquent, or missed any payment of any debt in my lifetime. My account is always in good standing and has never had a high balance. Wells Fargo is my primary bank and has been since I was able to open an account. My personal accounts, IRA, vehicles and credit cards are all with Wells Fargo and have never had any problems in which risk management would become involved. I am also a former employee that left the company in good standing. I called credit card services to resolve the matter and after 4 different team members in different departments deflecting my concerns and passing me around, the supervisor left the conversation before explaining it to the next person and that 's when I officially gave up on Wells Fargo. They essentially punished me for using The credit I have earned over the years and their associated balances, yet they closed my account for the exact opposite reasons.A customer of 20 years. here is no logical explanation for this decision and none of the employees could explain anything other than what my letter stated. I explained to each associate that I have been a very loyal customer for over 15 years, maintain an excellent relationship and keep the card for emergencies. I feel that am being cheated for no reason since there is no negative history on my tiny credit card account. Of course every representative said they would be more than happy to submit my application for a new credit account that would negatively impact my credit report, but give the company another sale. This is when I became concerned and decided to report WF. They are abusing their customer 's loyalty as well as their financial states once again. I can forward the letter per request since there is personal and financial information on it.

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 04-07-2015 about Debt collection (Federal student loan) with National Enterprise Systems, Inc. (VT).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: My Social Security payments are being garnished. The amounts reported by the collection agencies are different than the amounts on the credit report.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 10/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with BRAZOS LOAN SERVICING (TN).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Brazos Loan Servicing is reporting multiple accounts as XXXX days past due, all having a XXXX balance, and all in excess of XXXX years old. At no time, have I ever had any written correspondence from Brazos Loan Servicing indicating I had past due loans. I did not even know I had loans with Brazos Loan Serving.

Company response to consumer: Closed with explanation
Consumer complaint received 01-10-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with GREAT LAKES (TX).
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint: It is on my credit when it should not be.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/18/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (GA).
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: I tried to reach out to all three credit bureaus to remove the hard inquiries from my credit report XXXX Experian XXXX and XXXX but they refuse not to

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 10-09-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BARCLAYS BANK DELAWARE (NJ).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: This relates to XXXX with Barclay 's Bank. The charge in question in in litigation. Therefore still in dispute. Yet the bank that did little to dispute the charge is fraudulently reporting this to credit people as past due. The merchant ordered the wrong equipment and is not man enough to admit their mistake. XXXX ordering materials was new in his job and likely did not know there were two different model GPS units available for the vehicle. I do not pay for wrong materials. Stonewalling this complaint with the same bank blind eye does not make it right. 

XXXX 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 07-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (IL).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: Original company : XXXX ( {$140.00} ) Debt Collector : XXXX XXXX XXXX XXXX was completely paid because my utility was paid by government program due to my poverty level and joblessness. I left New Jersey 5 years ago and this charge just showed up on my credit report. I am a single divorced mom with XXXX young children.

Company response to consumer: Closed with explanation
Consumer complaint received 04/17/2015 about Debt collection (I do not know) with JPMORGAN CHASE & CO. (CA).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: I received a phone call today regarding debt for a card/bank account that I never had. These people also called my wife, my uncle, and my work. When I called the phone number, they informed me that I had 50 minutes to pay the settlement amount or they would take me to court to pay almost double the settlement amount. I have never received any papers in the mail or via a process server from these people as they have claimed. They threatened me verbally over the phone, and I am XXXX and I do not need this now.

Company response to consumer: Closed with explanation
Consumer complaint received 01-09-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with DLC, LLC (CA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: This will be going to XXXX XXXX XXXX  as well as XXXX. I have also sent a copy to CA Attorney General. XXXX XXXX XXXX. Yes you changed the terms per in writing Giving 6 months to pay off interest free As on a XXXX loan I have paid you XXXX and still seem to owe XXXX. And as I have stated multiple times. The agreement was to make a payment once a month. You received a payment in XXXX and XXXX and reporting late on Credit Report. Now when you changed the terms of it for to be 6 months interest frXXXX XXXX payment. It did not specify a dollar amount. Now I had payments of XXXX that wXXXX XXXX XXXXyment. I never receive a bill and can not pay online. I still do not have receipt of XXXX payment I had to make over the phone. You changed the terms, which is fine but you can not change terms, not be specific and expect me to be a mind reader. If I pay XXXX in one month and XXXX in the next it does not matter as I am paying it. And you can not report late when you change the terms, then do not specify amount or send statement or bill with what you were expecting. one payment for me was XXXX then you say you meant something else. Now while I appreciate I have til XXXX to pay this off interest free. You can not report late pay when I pay as you I understood what you were writing and then you say you meant a different amount. I will not be penalized and I would have paid a different amount as too not affect my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 04/19/2016 about Debt collection (Credit card) with AMERICAN EXPRESS COMPANY (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: I notified American Express in writing that I discovered a fraudulent Amex credit card account reporting on my credit reports. I forwarded to Amex Fraud department police reports, identity theft affidavit, and my statement explaining what happened. A specialist at the Fraud department of American Express assured me that investigation was going to be conducted and I was going to receive documentation pertaining to the fraudulent account including a statement of charges, any forged contract documents to properly follow up on a dispute. American Express received my information on XXXX XXXX, 2016. To date, I have only received XXXX letter from American Express stating that investigation is in progress and I should receive the results very shortly. That letter was dated XXXX XXXX, 2016. I have called the fraud department several times requesting the promised documentation or any update on the investigation to no avail. 2 months and 10 days later, I have not received any documentation or communication from American Express about my dispute. If American Express had any documentation to verify the validity of the mentioned account, I am sure they would have forwarded it onto me. Amex needs to delete this account from my credit files.

Company response to consumer: Closed with explanation
Consumer complaint received 11/24/2017 about Debt collection (Private student loan debt) with AES/PHEAA (CO).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I was recently contacted by my mother-in-law stating that a sheriff had delivered paperwork from an attorneys office stating that she was being sued, and they were representing XXXX XXXX XXXX XXXX XXXX. In the paperwork it showed that she was the co-signer for myself on a private student loan that originated in XXXX. I then called the company the first number was disconnected, but there was a XXXX number. I was informed that after several attempts to resolve the debt with no response they had to take this action. I nor my mother-in-law had never received documentation only phone calls every once in a while re. the debt. I explained to them that this debt was being paid now with XXXX, and there have been no missed payments. I called XXXX to confirm. They stated that XXXX was not the originator, and that they had documentation that we signed for this loan. I have requested documentation, and we have to go to court XX/XX/XXXX at XXXX in XXXX County. 
I have pulled all three credit bureau reports, and this company does not appear on any of the reports as being a debt. I also called XXXX XXXX XXXX where I consolidated my student loans, and there is nothing showing there. 
I have seen the reports online regarding this company, and I 'm just not sure what to do other than go to court and try and fight this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/31/2017 about Checking or savings account (Checking account) with HUNTINGTON NATIONAL BANK, THE (MI).
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint: I was charged 3 overdraft fees of XXXX dollars each by my bank Huntington. When the transactions are placed in the chronological order of the transaction being placed then my checking account was in fact not overdrawn at any time and the account was a positive amount. 

Huntington bank refunded me XXXX dollars of the XXXX dollars I was charged. 

I am asking for the remaining XXXX dollars to be refunded to my account since my account was never overdrawn and positive. ' I have enclosed the screen shot with the accounting showing the correct chronological order of transactions and the corresponding balance.

Company response to consumer: Closed with monetary relief
Consumer complaint received 08-05-2015 about Bank account or service (Checking account) with HUNTINGTON NATIONAL BANK, THE (OH).
Issue: Problems caused by my funds being low

Complaint: This bank collects overdraft fees even if the customer opts out of overdraft protection. They bully you if you do n't pay and want close your accounts.

Company response to consumer: Closed with monetary relief
Consumer complaint received 12-09-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Associated Credit Services, Inc. (NH).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Collection agency reported to XXXX that I owe {$550.00} to XXXX XXXX for an outstanding gas bill which I have a grant for the amount of {$600.00} for. I disputed the claim and sent them a copy of the grant. I have not been contacted by them since. 
I have also called, faxed, and mailed the grant information to XXXX XXXX via USPS Priority with signature and when ever I call they say they have no record of receiving any information for me. 
I have not lived in the state for almost two years.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05/15/2017 about Mortgage (FHA mortgage) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: hi my name is  XXXX   XXXX  I just file the complaint about  XXXX  credit bureau complaint  XXXX  yesterday I was checkin g trans union credit reports I have lots of new item in my credit report, I have o nly  XXXX  loans on my name auto loan and   XXXX   XXXX   credit card that 's it like I said last time  XXXX  credit bureau have false credit report on my name I never have  XXXX ,  XXXX  credit card and I never been to  XXXX  another  XXXX  I never go to   XXXX   XXXX   I have health insurance for  XXXX  and I only go to  XXXX  in  XXXX  only all the new ite m in trans union cre dit report its false statement thank you

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 06-11-2015 about Debt collection (Credit card) with JPMORGAN CHASE & CO. (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I have been contacted on numerous occasions by the company who is trying to collect a debt that is 15 years ol and beyond the statute of limitations.

Company response to consumer: Closed with explanation
Consumer complaint received 05/17/2016 about Bank account or service (Other bank product/service) with CITIBANK, N.A. (NJ).
Issue: Account opening, closing, or management

Complaint: I have a XXXX/XXXX XXXX credit card. XX/XX/XXXX, I was informed that due to the disolution of their business relationship my card would no longer be valid starting XXXX XXXX. I proceeded to replace it with another XXXX XXXX card in XXXX XXXX and kept the previous one so I would not affect my credit score by canceling it. 
XX/XX/XXXX I received a letter in the mail from Citibank, stating that the XXXX/XXXX card is being replaced by a Citibank/XXXX card and that I would be receiving mine before XXXX. Since I had already replaced the credit card with another XXXX XXXX and have the number of cards I need and want, I called the XXXX-Citibank office immediately to let them know that I did not want to have the credit card sent. To my surprise, I was told that I could n't stop the process and that I will be receiving said card soon. Ever since then, I have contacted XXXX and Citibank both written and by phone, to no avail. I keep getting the same response, that regardless if I want it or not, I will still receive it because they have my information in their database already. Two weeks ago, I received another letter in the mail saying that my card will be on its way soon. 
I am frustrated and disgusted, to say the least, by the unethical way that these companies are conducting business. It can not be legal to force a customer to accept a credit card that has been expressly declined and I absolutely refuse to keep it. A credit card is a serious issue and canceling it, will affect my credit score. Citibank has failed to respond to my complaints and I need help stopping this process before I receive their credit card. Please let me know what I can do. This is a violation of my rights as a customer.

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 05/24/2015 about Mortgage (VA mortgage) with NATIONSTAR MORTGAGE (SD).
Issue: Loan servicing, payments, escrow account

Complaint: Nationstar Mortgage discontinued sending my monthly statements two months ago for no reason. I have contacted them several times only to be assured that they will be promptly continued, then nothing happens. Their customer people are rude and unhelpful. In reading their reviews online, it is apparent they are doing this to many other clients in an attempt to generate more late fees. I am hoping you can help me with this matter.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation