milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: On XX/XX/XXXX, I submitted an application for a credit card with my local credit union, XXXX XXXX ( XXXX XXXX, XXXX XXXX, CA ). I was told that my application was pending and that I would be notified of the response within 24 hours. It is now XX/XX/XXXX and I have heard nothing from the institution. Moreover, the inquiry on my Experian credit report is for an installment loan, rather than a credit card. Due to the inaccurate information reported, I would like the inquiry removed from my credit report at once. Due to the unprofessional conduct of this bank not notifying me for several business days after my application, let alone within the 24 hours stated at the time, this bank should be flagged in the CFPB system.

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 08/19/2015 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Someone is able to open accounts in my name from cell phones, autos and even a mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 10/25/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (PA).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: In XXXX XXXX I received a letter from the Department of Education saying my wages would be garnished for defaulted student loans that came from XXXX. In the almost 6 years I have been out of school I never received any letter from XXXX or the Department of Education stating I was not paying and my loans were going to collections. I was already paying my monthly fees to XXXX for Student loans along with Student loans to XXXX XXXX, they never made me aware that I had more loans that were n't being paid. Had Navient not been negligent, this would have never happened and my loans would not be currently sitting with a collections agency.

Company response to consumer: Closed with explanation
Consumer complaint received 12-04-2015 about Credit card () with DISCOVER BANK (GA).
Issue: Credit determination

Complaint: I am currently a year and a half into rebuilding my credit. I have worked hard to resolve all outstanding issues and to gain and use new credit responsibly. My current scores range from XXXX, FICO, to almost XXXX dependent on the bureau pulled. My credit profile, while new and I work quickly to restore my credit, has multiple trade lines, all in good standing with very low utilization and perfect payment history, totaling almost XXXX in revolving credit. I started with secured and low credit line store cards, and have worked my way up to my first top tier rewards card I recently was approved for, a XXXX rewards world XXXX with a XXXX limit. My goal now is to phase out many of the rebuilding cards, secured, and store cards and move forward with sustainable products which make sense moving forward in my life. Discover it was one of the few cards on my goal list to have as a permanent credit product. I applied and was denied for an unsecured card, yet approved for a card with a co-signer. I am not in a place in my life where I need to or feel comfortable asking someone to co-sign on a credit card. I respectfully asked if Discover had a secure product, one in which I give my money as collateral for an equal line of credit to establish history, get my foot in the door, and help me build towards an unsecured discover product. I was told I did not qualify. How is it possible I can qualify for a top tier XXXX card with a XXXX limit, XXXX k in total unsecured credit, installment credit, a new car loan for XXXX @ 8 % ... ... .yet not qualify for a secured discover card with my money securing the line of credit??? I have respectfully asked for this to be reconsidered as I have already taken the credit inquiry but discover will not budge. I fell 1 ) that this policy and decision makes zero rational sense and 2 ) discover has failed to provide any reason which lends credibility to this decision. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 02-02-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: We paid our loan via electronic payment through their website. Navient said that they received on their website, I called them to make sure they received it and they said yes. they then sent me a bill saying i missed my payment. the next month they charged me double. I made the payment and the same thing happened. they then said that they would fix it by just moving the payments to the end and i agreed to this, but in so doing they increased my payment. I think this was very unfair and filed the complaint. I then started to make the payments from my bank to them not through their website, I filed a complaint through the government student loan department. This caused alot of stress to our bank account and our family, though no fault of our own. I think their online bill pay service was intentionally faulty so they could charge the additional charges.

Company response to consumer: Closed with explanation
Consumer complaint received 11/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: TransUnion XXXX Relations : 1 ) XXXX XXXX ( XXXX ) " DIDNT AUTHORIZE '' ( UNPROVEN ) 2 ) XXXX (XX/XX/XXXX ) " DIDNT AUTHORIZE '' ( UNPROVEN ) 3 ) Transunion (XX/XX/XXXX ) " DIDNT AUTHORIZE '' ( UNPROVEN ) 4 ) XXXX XXXX (XX/XX/XXXX) " DIDNT AUTHORIZE '' ( UNPROVEN )

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 01/25/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CO).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: Experian has not investigated or responded to the following issues on my credit report at all. The creditors have attempted no contact with me resulting from said investigations. Please see items below ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX INQUIRIES XXXX XXXX XXXX/XXXX/XXXX XXXX & XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$3300.00} XXXX XXXX XXXX XXXX XXXX. XXXX {$810.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$830.00} XXXX XXXX XXXX {$6800.00}

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 11-06-2016 about Credit reporting () with EQUIFAX, INC. (IA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Case numbers : Equifax - XXXX & XXXX XXXX XXXX XXXX XXXX - XXXX Have been disputing accounts that do not belong to me for many months now, and all the bureaus keep doing is verifying the information without sending me information that has been asked. As a consumer it is my right to have all information verified, and to have that verification furnished to me within a 30 day time period. It has now surpassed that 30 day time frame 5 times over.

Company response to consumer: Closed with explanation
Consumer complaint received 08-07-2015 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (OH).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Inaccurate reporting of a tradeline to all XXXX CRAs. Refusal to validate debt as required by law. Inaccurately reporting to all XXXX credit bureaus. Have not validated account/inaccuracies between reporting for all XXXX bureaus. Incorrect Account On Credit Report from XXXX XXXX XXXX Credit card account with the account is showing on all XXXX bureaus. They are all also showing different information for activity, status, and history. Payment history on all XXXX agencies XXXX, XXXX, and XXXX do not align. There are multiple charge off dates, as well as dates closed. I have contacted multiple times requesting the history and paperwork for this account and given no details on this account or information that is validating. No contract has been received by me, showing that I opened this account. Creditors are required to report accurate information to all XXXX CRAs, and Portfolio Recovery is not in compliance as required by law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/29/2017 about Payday loan, title loan, or personal loan (Payday loan) with Kashia Services (MD).
Issue: Charged fees or interest you didn't expect

Complaint: I received a loan in the amount of {$450.00} from XXXX  XXXX around beginning of XX/XX/XXXX, 2017. I have made a payment every 2 weeks since it is automatically taken from my checking account and my balance never seems to go down. I have since then stopped making payments but have made payments over {$700.00} already. Please help the interest is ridiculous. I had no problem paying for what I borrowed which I already have and over that amount but the fees and interest is ridiculous.

Company response to consumer: Closed with explanation
Consumer complaint received 10-10-2017 about Debt collection (Payday loan debt) with COMMUNITY CHOICE FINANCIAL, INC. (TX).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint: Cash central XXXX XXXX called me to collect a payment I defaulted on. I called company to take the payment out would not help he said I defaulted so now someone else was taking over my account transferred me asked the person for a payment arrangement of XXXX a month laughed at me and said it would take 5 years to pay this off. Very rude said that was n't enough and they ca n't help and would prosecute. I have to idea who this company is and sounds like they have doubled what i originally owe. They call and harass me on my phone fron New York XXXX both companies are very rude and ridicule you. Tried to make payment arrangement by me calling them but wo n't accept XXXX a month and that 's all I can afford.

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 06-02-2016 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (PA).
Issue: Deposits and withdrawals

Complaint: This is RE : Wells Forgo My accounts where set up to lose money from the beginning there were never a sum in basic math of my checking accounts. When I left and went to the bank I 'm with now I could see a very big difference in how it 's to fair and safe. I was losing money for five years just in my checking accounts. Any one that could see my bank accounts it could easily be seen as I have with my new bank accounts I did not lose a XXXX from my new accounts. This is XXXX dollars over the years. I have had other accounts. A credit card which is called revolving account which I have paid off over and over again till the stilling was just out of control from my deposits many stolen as it entered my account ever month more then Enough to handle these accounts which I did for over three years before the theft. There was also another account were I signed for which I signed for a loan the larges account with Wells Forgo paid it over twice then learned it was a revolving account not what I asked for or signed they have all ready shown me a fraud letter with a signature that is mine that is Identity Theft.

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 07/24/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: Previous deleted items were added onto my credit report without prior written notification Per FRCA Section 611. All items must be removed. 
XXXX : XXXX/XXXX/16 XXXX : XXXX/XXXX/16, XXXX/XXXX/16 XXXX : XXXX/XXXX/16, XXXX/XXXX/16

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 07/13/2017 about Vehicle loan or lease (Loan) with SECURITY FINANCE CORP (FL).
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: A few months ago I was looking a car so I could build my credit I looked on the internet and I found this place in  XXXX  where I have  to drive  to look at the car I wanted to buy they advertise that it would help me with my credit so I took the advantage and I bought the car from there thinking they will report it to their agency but since I have bought it they have not did  one  reported at all to any of the  XXXX  agencies Bureau. I have been paying for going on 6 months straight and they have not been reporting it at all and when it was time for me to pay off my car I call them and I spoke to them about it and they said they will update it as soon as possible they were having problems with a software I gave them weeks and weeks and they have not kept in touch they said they will report and update all the information but they have not done so I called them all the time and all they say is for me to wait I think it 's not fair for anyone to go through this I paid 6 months and also paid off the car and they still have not reported anything this is a scam Bank and they should pay for it now my credit is the same place and Have Not progress since I 'm missing every month I update for 6 months straight and a payoff which shall gave me at least a good  credit score  for me doing a wonderful job. So I traded the car and  XXXX  paid off the balance and because they were n't reported to the credit bureau my  credit score  interest was higher and they required more money down on the trade in, when I first did the deal with the bank I did a trade in and I also put {$4000.00} on top of it and they still ripped me off completely with paperworks, so this was a total loss for me and they are not making anything better to help the situation. I would like my initial down payment back if possible and have them report the correct information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07-04-2015 about Credit reporting () with EQUIFAX, INC. (CO).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: I have called XXXX several times. My health insurance paid a bill that is on my report as collection. XXXX does not seem to care and this is reflecting a job offer. XXXX XXXX XXXX, XXXX ignored letters from my XXXX XXXX XXXX requesting additional information. XXXX has on file the amount of times they notified XXXX XXXX XXXX. I called XXXX several times and XXXX time to tell her that I drove down to XXXX XXXX XXXX to obtain copies of the visits to send to XXXX. I then let XXXX know that XXXX has everything they need and will process and pay the claims. XXXX ignored my communication and sent it to collection. XXXX XXXX XXXX refused to refill my prescriptions until I paid the invoices. XXXX has paid them and they have cashed the checks. XXXX has said several times that she reversed the collection. Each time I call the collection agency they state no one from the office will confirm. Meanwhile this is on all my credit reports when in fact I am owed money.

Company response to consumer: Closed with explanation
Consumer complaint received 02/19/2016 about Credit card () with CITIBANK, N.A. (ME).
Issue: Transaction issue

Complaint: In XX/XX/XXXX, a checked was bounced on me which caused my bank to bounce a check to Citicorp for payment on my credit card. I let them know in advance, i wired twice the amount to Citibank to make sure they were covered. 

Subsequently, the next month they withheld posting payment by seven days. I complained, got a supervisor on the phone and she affirmed that the delayed posting would not happen again. 

This month I sent {$500.00} ahead of schedule on XX/XX/XXXX and as of XX/XX/XXXX it has yet to be posted to the account. Citibank says they are having to confirm the account, even though it is a different account. I have no idea how much they are charging me for extra fees related to the delay time.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09-02-2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (SC).
Issue: Account opening, closing, or management

Complaint: My deceased mother had an account with Bank of America. She died in 2005 we left money in the account for repairs to the house and to pay taxes. There is {$3000.00} in the account on hold by EEU ( inheritance div ) that they could not release until they got a Death Certificated ( provided XXXX, also was previously provided in 2005 along with mother 's revocable living trust and will ). I was co-owner and also power of atty on the account. My brother is also a signatory. No one will help me or tell me what I need to do to get resolution. XXXX tells me the XXXX XXXX has to contact them, XXXX tells me I have to go a BOA branch myself ( which I have already done and they referred me back to XXXX ), The XXXX branch of BOA tells me XXXX has to handle it. I spoke with XXXX in the XXXX branch who will not pick up the phone and call XXXX, XXXX has already told me that they will not call the personal banker. XXXX did tell me the bank verified my entitlement to deal with BOA and get the money, but XXXX at BOA XXXX will tell me nothing and do nothing or call XXXX to release the money now that they have the death certificate. All I want to know is why they will not release the funds back to the account, but BOA and XXXX are a continuous circle - one refers me to the other and so forth and no one will help or release the funds. We have talked to XXXX 3 times, a different person each time. The first XXXX said all they needed was a Death Certificate, the XXXX could not even find notes for the first 2 calls. Bank of America and XXXX are doing this to keep the money to which my mother 's beneficiaries are entitled. They are now telling me it has to be probated, although I have a pourover transferring everything, including the bank account, into our family revocable living trust at my mother 's death to avoid having to probate. No one will discuss this and tell me what we need to provide in order to get the money back to the account. It is too expensive to file probate 11 years later over a {$3000.00} bank account. The worst customer service I have ever seen, all for the purpose of taking our rightful inheritance. They wo n't discuss with my brother because he is not a co-owner, they wo n't discuss with me because I am not in front of them in XXXX GA ( I live 5 hours away ).

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 10/22/2015 about Consumer Loan (Vehicle lease) with AUTO TRAKK LLC (CA).
Issue: Taking out the loan or lease

Complaint: I rent a car from a company called XXXX. I got into a car accident. I never received an estimate for damages of car for 2 months from XXXX, towing company, and Autotrakk ( loan company for XXXX ). XXXX held my car for 3 weeks saying they would help me and transfer car to a financial plan towing place and it sat in a garage for 3 weeks, no response and get a last minute violation of contract. I was even told by them that they would fix the car for me and I would n't have to worry about anything. I then went to XXXX and asked for an adjuster for estimate of damages. 5 weeks no response. I waited 2 months and car is gone and I never got a financial plan or estimate for car to get a financial payment plan. I also went to XXXX & XXXX a few times and no estimate. I am victim of loan predation. I could n't even get financial plan to fix car and They have no idea where it is. I also have a contract unsigned by Auto Trakk for the loan. I also did my violate any contract and XXXX took advantage of me and held car for 3 weeks and sent a last minute contract violation. XXXX guarantees 2 week return on car. They are a company that leases card that you pay weekly and with a 2 week notice you return car. I feel taken advantage of. Also, they help you find jobs, it kind of is a hiring company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11/27/2017 about Debt collection (I do not know) with Professional Placement Services, LLC (WI).
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint: Professional placement services contacted me at my job. I am just getting back to work from XXXX XXXX XXXX. this is stressing me out I have a home phone

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 03/13/2017 about Bank account or service (Other bank product/service) with Alliance Data Card Services (PA).
Issue: Account opening, closing, or management

Complaint: BAD BUSINESS PRACTICE. Short billing cycle. Statement arrives late. No grace period. No balance ratio to fees. Assessed a {$29.00} fee, on a {$55.00} dollar balance, that was paid in full 5 days after due. Forty minutes on hold. Told no, no, no. Policy is to remove one fee in 18 months.

Company response to consumer: Closed with explanation