milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07/21/2015 about Credit reporting () with EQUIFAX, INC. (NY).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: XXXX is reporting erroneous on my credit reportsequifax and XXXX. XXXX states that I have a account and pass due8 months. the service address is XXXX XXXX XXXX XXXX XXXX, ny XXXXthis is not my account, i have never lived thereand I want it removedi have lived at XXXX XXXX XXXX, ny XXXX for the past 20 years ...

Company response to consumer: Closed with explanation
Consumer complaint received 09/25/2015 about Debt collection (Medical) with Collections Inc (MS).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I recently discovered an account on my credit report for which I have not received any information. I have started an investigation with XXXX and would also like to start it here. I did not receive any information informing me of this debt from the collection agency, and it says it has been with the company since XXXX 2015.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: XXXX    XXXX    XXXX   XXXX  show me being late on paymen ts 180+ da ys from  XXXX   XXXX  through  XXXX   XXXX  - That account was closed and paid in full in early  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 non-monetary relief
Consumer complaint received 01-02-2018 about Vehicle loan or lease (Loan) with CarMax, Inc. (GA).
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint: - [ ] My business partner and I bought the car in XXXX North Carolina. We drive home to GA to find out that the car had so many problems, we broke down at the XXXX Carmax to fix the car. After long conversations with Carmax Corporate who instructs us to g

Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (WA).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint: On XXXX XXXX, 2017, I became aware of a security breach where consumer data held by was compromised. Upon reading the news, I followed links to Equifax 's security website that was handling consumer inquiry about the breach : w
ww.equifaxsecurity2017.com On this site you would enter your name and the last 6 digits of your social security number, and you would be notified immediately if your data may have been compromised. WHAT I DID N'T KNOW is that Equifax had hidden Terms of Use for using th
is service that included waiving my rights to file lawsuit for damages and join in any class action suit against Equifax.
Upon using the service, I WAS NOT ASKED TO ACCEPT ANY TERMS OF USE. They were hidden behind an incredibly small link, and it was unclear what terms of use - if any - actually were when using the service.
This is absolutely unfair and strikes me as fraudulent and negligent. Upon being breached, this company has a duty of care to notify consumers if their data may have been compromised. Instead, they have hidden this knowledge from consumers where they can only access it if they waive their rights. Consumers should be protected from such coercive and opportunistic tactics.
I believe that Equifax knowingly and willfully advertised this service with the intent to deceive consumers and to take advantage of their panic to coerce them into waiving the rights afforded to them by the CFPB and other regulating agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 10-05-2015 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (MD).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: XXXX University had me sign up for a XXXX XXXX Loan when I was XXXX without giving me any other options. They asked me to come into the location and when I was there they filed a loan request through FAFSA and XXXX XXXX and asked me to sign the paper work. Being a XXXX year old child from XXXX, I had no clue what I was signing up for, I was just happy to start school. Shortly there after I lost my job and could not work or afford my bills. At that point is when I realized what large amounts of debt I was in. I wish I would have been given the option to look into other loans but I was not. I should not have been forced to sign any papers the same day. XXXX ( XXXX XXXX ) should have given me the paper work and details and told me to think it over and research the market because it was a big decision. I was pressured to sign the paper work the same day and told that XXXX XXXX was the only company that would give me a loan.

Company response to consumer: Closed with explanation
Consumer complaint received 11/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Medical Data Systems, 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: on XXXX of this year a sent MEDICAL DATA SYSTEMS D/B/A XXXX XXXX XXXX XXXX, FL XXXX a Dispute letter they responded on XXXX XXXX of 2017 Confirming they can not locate an account/s with the information provided on my Dispute Letter, FEDERAL LAW requires that only Accurate And Verifiable Information be Reported to a persons credit file MEDICAL DATA SYSTEMS can not Locate the Information on account/s being reported by them on my credit file i provided them with the EXACT SAME INFORMATION they are reporting to the credit Bureaus and if they can not locate and verify this information they are clearly IN VIOLATION OF FEDERAL LAW please see attached response letter from MEDICAL DATA SYSTEMS confirming THEY CAN NOT LOCATE INFORMATION BEING REPORTED BY THEM TO MY CREDIT FILE

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 10/19/2015 about Credit reporting () with EQUIFAX, INC. (AL).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: There was a small case suit against me in XX/XX/XXXX, as which, this was never placed on my credit files. The case was handled in mediation. The final payment was made in XXXX XXXX ; and now XXXX XXXX this has been placed on my credit files with all major credit bureaus. I am seeking help in reference to finding out why the major credit bureaus waited 5 years later to place this on my credit files? Why? I am hereby asking that XXXX be removed from all major credit bureaus because this was resolved in XX/XX/XXXX in mediation and was paid off in XXXX XXXX. It seems as though the credit bureaus of retaliating against me due to the many disputes I have submitted based on the laws. I am crying out for you to assist me in getting this public record removed from my files ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 04/14/2016 about Debt collection (Credit card) with Experian Information Solutions Inc. (IN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: APPLIED HAS SPECIAL ARRANGEMENTS WITH EXPERIAN AND IS BIAS IN VIOLATION OF ALL CONSUMER RIGHTS VIOLATORS.

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 07-08-2015 about Consumer Loan (Vehicle loan) with DriveTime (SC).
Issue: Shopping for a loan or lease

Complaint: I am purchasing a car from drive time. I have always made my payments on time for over XXXX years. My payments are {$470.00} a month. I make my XXXX payments a month of {$230.00}. I have recently feel into a hardship. I lost my job and I am having to take care of my mother XXXX and I also have put about {$700.00} in to the car bc it was having issues. I called drive time and advised them that I would not be able to make my payment for ( XXXX XXXX XXXX XXXX ) and I asked for a deferment. The collection representative advised me I was not elligable for a deferment BC I was never late. She stated to let my account fall delinquent and call bk XXXX XXXX. So I did. Another rep told me I could get a deferment and my payment was due. I advised her that when I spoke with the previous rep that 's not what we discussed. She told me I had to mail in my receipt form the work done on the car to try for a deferment. I advised her that when I spoke with the rep bfor she did not tell me I needed to fax those In and they were thrown away. She then transfered me to the rep I spoke with on XXXX XXXX. I advised he that I could not make those XXXX payments until my unemployment started and I would make my payment of XXXX by XXXX XXXX. She stated that she would set the arrangement and that would be fine. I adv he that I do not want calls bc i am taking care of my brother and NOT TO CALL ME. A couple days later i get a call i was unable to answer so i called bk. A rep stated that the arrangement was never set on the acct. I asked to speak with a XXXX i was on hold for XXXX mins. I then explained to the XXXX I was not suppose to receive calls and they did not set the arrangement as stated. She stated she could set a arrangement and transfered me to customer relations. The lady as that time stated she set the arrangement for me to make a payment on XXXX XXXX. I adv her again DO NOT CALL ME. XXXX days later they call. A manager cancaled the arrangement. I called bk furious BC I had told them several times not to call me and felt like I am being harassed and BC they told me arrangement was set and now they want to change it. I adv her of when I could make the payment I would have the funds by then and she wanted XXXX argue with me and tell me I have to pay {$400.00} by XXXX XXXX. I told her there was no way I could pay when I had already worked out the other arrangement and put money in the car. I also adv her that I told her it was against the law to contact me after I stated not to call me and she ignored me and continued to try and collect. I was treated very unfairly by this company and I am speaking with an attorney due to the harassment. I feel like the car should be returned and the trade line removed from my credit.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (LA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: The Accounts On My Equifax Report Were Removed Between XX/XX/XXXX-XX/XX/XXXX, But It 's Showing The Have Now Been ReAdded Between XX/XX/XXXX- XX/XX/XXXX. These Accounts Need To Be Removed As Soon As Possible. I 'm Confused As If Equifax Or XXXX XXXX Is Having Problems With Their System Again. Also I 've Sent Letter For My Address To Be Update And I Still Have Got A Repsonse Nor Has It Been Updated. I 've Constantly Called Them. Also I Did n't Receive Any Type Of Notice That Those Accounts We 're Going To Be ReAdded. There 's Two Accounts " Original Creditors, " Called XXXX XXXX XXXX, And An Account Called XXXX XXXX XXXX La.

Company response to consumer: Closed with explanation
Consumer complaint received 05-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (IL).
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 had contacted them about deleting  XXXX   XXXX  with documents from the settlement of the Class Action lawsuit I had been a member of and after several attempts of submitting these documents, the  XXXX   XXXX  is NOT deleted from my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09-07-2016 about Credit card () with WELLS FARGO & COMPANY (IN).
Issue: APR or interest rate

Complaint: I have a lot of experience with promotional interest rates and leverage these when possible. Wells Fargo 's credit card statement is extremely confusing and it was unclear how much needed to be paid and when to avoid interest rate. I had XXXX different promotional balances and the " warning '' that XXXX were expiring is on page XXXX within XXXX of XXXX boxes of information in regular font and very easily missed. As soon as I noticed I was incurring interest, I called. Even with the bills in front of me and them walking me through each piece, it is confusing when you have multiple promotions. There should be something on page XXXX near where your payment information is to highlight what is needed - full payment of the promotional amounts PLUS the minimum payment. I asked for consideration for the interest that was accrued in the 45 days it took me to notice this error and was not accommodated. I have exceptional credit and this credit card and a mortgage with Wells Fargo. I have never been this confused by promotional periods and have personal policy not to incur interest outside my mortgage. It feels like Wells Fargo does this intentionally to trip up customers and get the interest payments.

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 10-07-2015 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have a similar name and keep having their stuff on my reports!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/21/2016 about Consumer Loan (Vehicle loan) with PNC Bank N.A. (FL).
Issue: Shopping for a loan or lease

Complaint: On XXXX XXXX, 2016, I walked into a PNC branch and applied for a check ready loan. I was instantly approved for {$50000.00} " check ready loan ''. I took the check to the Auto Dealer and I was told the check is not valid since I wanted to add my family member to the title. I returned to PNC branch. At the branch, the representative was instructed to destroy the check and I need to apply as a joint application. The Branch followed instructions provided by the underwriter. The application was entered and it was status as denied " Straw purchase '' I returned to the auto dealership and the agent there was able to provide me with a loan. I have excellent credit and worked very hard to maintain a high beacon score of over XXXX. The decline given at PNC was one unacceptable and secondly, tarnish my good credit. I consider this to be bad business practice and very disappointed as a consumer. I believe the PNC underwriter handle this situation with limited information and did not try to clarify or rectify any misunderstanding. Bad business practice affecting consumers in a negative way. 
PNC Application Reference Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 12/24/2015 about Bank account or service (Checking account) with SUNTRUST BANKS, INC. (FL).
Issue: Using a debit or ATM card

Complaint: I received a letter in the mail from Suntrust about suspicious activity on debit card. When i called in, I did find fraud ; closed debit card and have a case no. My first issue is this is the third time this has happened, only with Suntrust ( once on business account, twice personal ). I think they may have a security breach issue. I am angry because they would NOT credit my account for the amount of the fraud until after investigation. This is happening 2 days before XX/XX/XXXX, plus they knew it was fraud, they detected it. XXXX fraudulent charge for {$240.00} and XXXX for {$25.00}.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04-07-2017 about Credit reporting () with Experian Information Solutions Inc. (OK).
Issue: Improper use of my credit report
Sub-issue: Received marketing offer after opted out

Complaint: In 2015, I ordered workout items from XXXX Co. They offered to open a account. I accepted. XXXX later sold the account to XXXX. 
They sent a credit card from their bank. I refused the card and paid the account off to XXXX. The Bank continued to send statements and enrolled me in their VIP program for {$14.00} a month. I immediately called XXXX to cancel this card and program again. XXXX continued sending bills and adding extra charges. Their card was never activated. I refused to pay. Never signed for their card ; This seems to be a rip-off, and much like XXXX XXXX was convicted of, to open new accounts. In the mean time since I refused to pay these VIP charges, they turned this account over to a collection agency : XXXX XXXX. They continue to hassall my family with no documentation, which I have requested from XXXX, since that is where this account originated. They refused to help since they sold the account to XXXX. In the mean time they have reported to have this placed on our credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01-02-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: This letter is formal notice that you have failed to respond to my online dispute submitted On XX/XX/2016 I submitted a dispute with Transunion to validate a debt showing on my credit file. They have not responded within the XXXX day limitation for disputes. The debt has not been validated in any form and I am demanding it be removed before I take further action with the Federal Trade Comission. According to federal credit law spelled out in the Fair Credit Reporting Act ( FCRA ), a credit bureau is required to respond to you and complete their investigation within 30 days. If they do not respond within this time frame, they must remove the negative listing disputed. If they do not, they are in violation of the FCRA.

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 05-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NC).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: XXXX   XXXX  has billed me incorrect. The billing and collection have a   XXXX   balance on the account  Closed  and cancel with  XXXX   XXXX .  XXXX   XXXX  went into my checking account and take out {$810.00}. But I called my bank and they reverse it back to my account and the bank spoked with  XXXX   XXXX . I had cancel with them and sent back their equipment.  XXXX   XXXX  then had it to appear on my credit report as a collection or negative item. I called Billing and I was told I did n't owe them any money and  XXXX   XXXX  billing dept will send a invoice to me showing that. I do not have the invoice as of today    XXXX   XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 08/27/2015 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: This account was paid in full before leaving with this company. I do not understand why they are putting this account on my credit file. Please have is account removed immediately.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03-11-2016 about Consumer Loan (Vehicle loan) with SANTANDER CONSUMER USA HOLDINGS INC. (MO).
Issue: Problems when you are unable to pay

Complaint: Re : Santander Consumer Finance Since purchasing a XXXX GMC Envoy from Santander Consumer Finance 's Road Loans in XXXX XXXX, Santander 's records document 33 payments received on the account totaling {$9600.00}, and only {$1300.00}, or four partial payment amounts, were applied to the principal. I did not understand or believe it is legal to offer interest only loans. This loan forces me into a perpetual cycle of debt that I can not afford to continue. I am XXXX years old and no longer able to drive the vehicle or pay it off. The vehicle can not be sold because the current value is approximately {$2500.00} and the balance is over {$12000.00}. The original purchase price was {$12000.00} with an interest rate of 26.29 %. I notified Santander in writing on XXXX/XXXX/XXXX of my wishes to voluntarily surrender the vehicle, provided an address for them to have the car picked up, and gave them contact information for my daughter so they can retrieve it. Santander has not contacted my daughter to pick up the vehicle per my request. My daughter also contacted Santander on my behalf to ask that they pick up the car and she provided the address as well. I also informed Santander to stop all communication with me and with my address about this debt. 
I would like the CFPB to : 1. Assist my daughter with surrendering the car to Santander. 
2. Investigate my complaint and notify me to confirm that interest only loans are legal. 
3. Provide me with my options to dispute Santander 's practice in my case. 
Thank you.

Company response to consumer: Closed with explanation