milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (AR).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I spoke with a representative of XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, Florida. XXXX ( XXXX ) XXXX. Regarding a collection account with XXXX XXXX. In speaking with this company, I argued that the collection about information on my report is incorrect and that I would consider making a formal dispute with the credit reporting agencies and contact XXXX XXXX to resolve the problem. The next think I noticed on my credit report a few weeks later is there that I incurred this debt on XXXX XXXX, 2017. I have had no financial transactions with XXXX XXXX XXXX. Nor, have I made any type of formal dispute with them directly. Had I done so, I would have done so in writing. They continue to cause me financial stress and aggravation due to their improper reporting. <P/>I am not disputing that I was indeed terminated business dealings with XXXX XXXX over 5 years ago. In the State of Arkansas, all attempts to collect on this debt have long past the Statute of Limitations of 2 years for this type of account I have not yet disputed this account with the 3 major credit reporting agencies and as of yet, this information continues to appear on my credit report. <P/>There is also inaccurate reporting of the debt owed with an original debt of {$240.00} and an amount owed of {$240.00}. This would assume that somewhere, somehow, I made a {$1.00} payment towards this account thereby giving cause to this unscrupulous, to make changes in the reporting dates in an effort to coerce me into making restitution on a fraudulently reported 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 01/20/2017 about Credit card () with BBVA COMPASS FINANCIAL CORPORATION (TX).
Issue: Rewards

Complaint: On XX/XX/XXXX, my accounts payable department notified me that a canceled company credit card in my name was accruing finance charges and late fees. They said that Compass would deal only with the account holder and that I had to call personally. I called and spoke to a CSR who verified that the charges were resulting from a {$2.00} charge that had grown to {$65.00} by the time of the statement date ( XX/XX/XXXX ). It appears that it 's been growing at the rate of about {$20.00} per month. 
Apparently, the {$2.00} began as a " rewards '' check sent to our company for using the credit card. Naturally, accounts receivable cashed the check along with all the other checks we receive from customers each month. Subsequently, Compass rescinded the check ( we 're not really sure why and do n't understand their reason ), which then generated a charge of {$2.00} on a credit card that was verified to have been closed and inactive. Because of this, we were n't monitoring the account closely. When the amount rose to {$65.00} on a closed account, it caught our attention and this was how we learned about the reversal of the rewards check. 
I asked the CSR for a supervisor who verified the narrative, but said she was unable to reverse the charges. I told her that this business practice ( sending a minuscule Rewards Check, rescinding the check, converting to a liability, and then accruing disproportionately large penalties ) was liable to entrap most businesses and their consumer employees. She decided to conduct some research and get back to me several days later. When she said that there was nothing she could do other than sympathize, I told her that I was going to file a complaint with the state regulator. Amazingly, she suddenly found the ability to reverse the bogus charges and close the account. I 'm filing this complaint today because I believe that they are using a predatory business practice that intentionally defrauds customers, deflects them when they complain, and only relents when threatened with a complaint to the regulator. Since most business customers will never catch such tiny amounts and most consumer employees do not have the time or wherewithal to pursue this discrepancy, the likely result is that they will generate a windfall of revenue with relatively low risk of apprehension.

Company response to consumer: Closed with explanation
Consumer complaint received 09/30/2016 about Mortgage (Other mortgage) with CITIZENS FINANCIAL GROUP, INC. (NY).
Issue: Credit decision / Underwriting

Complaint: In the spring of this year I received a call from my currant mortgage company, Citizens Bank, telling me I could refinance my currant loan for a lower interest rate. I have had my loan with them for aprox. 8 years. I told them yeah great. I went through the whole process and received a call for someone to come and do an appraisal and when I gave them directions and told them it was a double wide manufactured home I was called and told I could not get the loan. Now they are the ones that gave me my loan 8 years ago and now I am not good enough to redo it!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 08-05-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with First Credit Services Inc. (MD).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: XXXX XXXX XXXX XXXX were in XXXX XXXX XXXX XX/XX/XXXX. I was on my way to work at the XXXX there at the time. The gentleman stopped me to talk about the XXXX ONE MONTH FREE TRIAL. I told him I could not afford the membership and he then explained it 's completely free ; I do n't have to pay anything and I wo n't be eligible for a membership unless I sign up for the membership AFTER the trial. I thought I was signing a waiver to the ONE FREE TRIAL and the free T-Shirt. 

They began to charge me and I had never made it into the gym. I called, emailed, sent letters to this gym expressing my concerns and how do I get this off of my credit report. There was no help or solutions. I had been scammed into this debt trap. I am still facing hard times : no food in my home because I can not afford them ( nor can I receive food stamps ), my rent is becoming late, I have classes and student debt to pay for, utilities is coming up late, I am a ten month employee with no current income, XXXX not receiving any benefits or assistance and I am a single adult trying to survive on my own. The last thing I can afford to pay is a gym membership for a gym I hardly ever used and that scams innocent people into signing debt collection contracts. 

This debt was sent to a collection agency and which of course has negatively affected my credit score. Unfortunately, the credit bureaus and its partners are in the business of crippling Americans and eating away at the lower class to stay in debt. I can not afford any of this. I have XXXX and XXXX due to my financial crisis. I had to even file for Bankruptcy back in 2013. This third party continues to call and harass me for a payment in full. I am pleading with them to for a payment plan or a freeze or something so I can try to pay and possibly help my credit report. However, First Credit Services foreign employees continue to call and offer no help. Both of their foreign countries and USA employees have been very displeasing and uncooperative. 

I need serious financial help. Who do I contact for help?!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12/26/2016 about Consumer Loan (Vehicle loan) with WELLS FARGO & COMPANY (MN).
Issue: Managing the loan or lease

Complaint: I took a car loan. Out with wells Fargo dealer srvs, in XXXX, i I 've stoped getting statements from them in XXXX still made payments then they charged me for insurance starring I had none I did have ins, in time I sent them my ins, info showing I had ins, try refused to accept charging me XXXX for in ins, i pleaded with them nothing happens them in XXXX of XXXX I fshowed XXXX.left on the loan in XXXX of XXXX they defaulted my loan showing I owed XXXX.on it which is not true.called them several times to resolve this issue no results .sent letter to attorney General of Mn they sent letters four times no reply.they wells fargo, went and put on my credit report I defaulted on my loan I never missed a payment, they stopedreporting to the credit bureaus in XXXX show I am not marking payments wi c h is false, aim still marking payments on this loan, they owe me money there not will I Mn g to accept there mistakes, I 've asked. For a audit on this loan they refuse.where can I get the help I need to stop this problem with wells Fargo Dealer seves, i feel there should be a law suit filled for there 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 05-12-2016 about Consumer Loan (Vehicle loan) with SANTANDER CONSUMER USA HOLDINGS INC. (NY).
Issue: Shopping for a loan or lease

Complaint: In XXXX 2014 I needed to replace my old vehicle. I regretfully purchased one from a dealership which led me to believe that due to my credit situation the financing deal that they got me was the best that can be done. They informed me to revisit them in 8-10 months to refinance. The cost of the vehicle was {$9500.00} at an interest rate over 20 %. Nonetheless, I signed the contract and for over a year and a half, the balance barely declined. I did go back to the dealership after 10 months as well as tried to refinance on my own only to be told that I was upside down. The {$9500.00} vehicle was only worth about {$2000.00}. No one would give me a loan. I was doomed. I feel as though 20 % was outrageous and bordering illegal. I even reached out to the bank on a few occasions requesting that they lower the rate or refinance and they informed me that was n't an option. I struggled and suffered tremendously until I got a break this year and traded in the vehicle for a lease. Of course I still had to roll in the balance owed on the vehicle but I am no longer subjected to an inflated interest rate. I 've never felt so foolish.

Company response to consumer: Closed with explanation
Consumer complaint received 05-11-2016 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I am filing this complaint Equifax has refused to provide me with documents regarding XXXX bankruptcy public records on my credit report. I am a victim of identity theft and have never filed bankruptcy. I also reached out to the court and was advised that the XXXX XXXX Court does not report information to any credit reporting agency, and does not have any information on file. This matter has now gone past 30 days unverified under section 611 ( 5 ) A ) of the FCRA, please have equifax delete this information, please assist with resolving this matter asap. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 10-01-2016 about Bank account or service (Other bank product/service) with AMERICAN EXPRESS COMPANY (CA).
Issue: Deposits and withdrawals

Complaint: I have had a Bluebird account in perfect standing since XXXX of XXXX. I have always been happy with my Bluebird account. I had never previously called customer service prior to last week when my card was defrauded of {$290.00} total from 6 fraudulent transactions dated from XXXX/XXXX/XXXX of {$64.00}, {$64.00}, {$64.00}, {$44.00}, {$34.00}, {$24.00}. My card was lost or stolen and I reported it immediately as per my terms of service. I have police reports. However, within ten minutes of reporting this to AMEX, I received an email saying that my fraud claim had been denied. 
According to your website customers enjoy benefits ' [ ... ] such as Purchase Protection* and Fraud Protection* when making purchases online or in store with Bluebird. Regarding fraud, it specifically says 'If your Bluebird Card is lost or stolen, we protect you against fraudulent purchases. ' According to the Consumer Financial Protection Bureau, if reported within 2 days of discovering the transactions, I can not be held liable for fraudulent transactions. I reported this lost/stolen immediately after discovering it, well within the time frame and therefore I should not have been held liable. Furthermore, their ten minute decision shows that you did not perform due diligence in investigating this, and therefore have sold a banking product in bad faith are in breach of contract and have disregarded federal and state banking laws. 

I wrote a letter to the CEO and was contacted by their Executive Relations office, but was told that these are n't really bank accounts and that their profit margins on these are slim. I countered that they clearly say customers are protected against fraud and that these accounts are in fact marketed as bank account replacements by AMEX. I have a new account now, but I do not feel a proper investigation was done, and I feel that AMEX is not honouring their terms of service. I would like a fraud refund of {$290.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 05-07-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Meade & Associates, Inc. (VA).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: Mead & Associates reported a debt to the credit bureaus without notifying me. When asked for the record of their previous communication, they could not provide the letter. The agency stated that they could not provide the actual letter but had record that a letter was sent and could send a new letter. I informed them that without a copy of the original letter, I had no confirmation that the letter was actually sent and that proper notification was given and that I had no opportunity to acknowledge or dispute the claim. 

I asked that they remove debt from my credit report but the supervisor stated that they could not. I paid the claim so that it would not further impact me and informed the collection agency that I would be reporting them to CFPB.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (OR).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax negligently handled my personal data. According to Equifax, I have been effected by the recent breach of data. The company did not take proper precautions to my name, dob, ssn, address and drivers license information. 

It is not possible for this to be undone. My information is out there and I will be at risk for have my identity stolen from now on. 

I have put a freeze on my credit information in an effort to protect myself. Nothing has been done my Equifax to resolve this information.

Company response to consumer: Closed with explanation
Consumer complaint received 01/22/2018 about Debt collection (Medical debt) with Hunter Warfield, Inc. (CO).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I was admitted to the hospital and was never sent a bill before the amount was sent to collections. Once it was sent to collections i paid the amount due but they refuse to show a paid collection or remove the item from my credit report so it still shows a large balance for a collection thats been paid.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/27/2015 about Credit reporting () with EQUIFAX, INC. (NY).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: equifax has been reported item on my report ... i have asked who verified this account who they speak too how did they verified it ... ..i reported it ..and i have XXXX or XXXX letter stating that it was verified ... thats all but I 'm requesting information and they do n't provide me with any proof ... ...

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 TRANSUNION INTERMEDIATE HOLDINGS, INC. (OK).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: I sent a letter asking XXXX to remove the incorrect names and addresses from my report. I also requested that several of the inquiries, Collections listed were not mine and/or not authorized. The information is still listed on my report and I never received a response from 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 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 {$0.00} XXXX XXXX XXXX XXXX {$59.00} XX/XX/XXXX XXXXXXXX {$280.00} XX/XX/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 01/26/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (FL).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I have several loans with Navient. I always pay more than the minimum fee to take off more of the principal. Now looking at my account history for each of my loans, there are many instances where more interest was being paid than the principal. In fact ONLY interest was being paid on some of them for a period of time. After speaking with someone on the phone the amount of interest I have been accruing I believe is on a loan amount higher than it should be. She also advised me that my " account history '' was incorrect and that I needed to look at Account transaction history, which also did not appear correct based on the information she was giving me.

Company response to consumer: Closed with explanation
Consumer complaint received 04/15/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (FL).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I was having hardship in paying my loan off and was offered a forbearance option twice not really understanding that it would increase my loan even more. I do n't remember ever being given the option of and income driven based option. I would very much like to see if this would work better for me. I have a direct subsidized/unsubsidized XXXX loan. I graduated with a XXXX degree. I saw on the federal website that the interest rates for undergraduates should be about 3.7 % and unsubsidized graduates should be about 5.31 %. I am not understanding why my interest rate is about 6.9 % for unsubsidized direct XXXX loan. Is this due to the forbearances? Just need clearer understanding of what is going on. I am not a XXXX student and have no desire to get a XXXX degree.

Company response to consumer: Closed with explanation
Consumer complaint received 12-11-2017 about Credit card or prepaid card (General-purpose prepaid card) with NETSPEND CORPORATION (PA).
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint: On XX/XX/XXXX I went to XXXX 's to purchase a coat for my son. I used the NetSpend card to make the purchase. I went back to order another coat and, although I used my pin number, NetSpend put a hild on my account which has ALL of my spending money/direct deposit from my job on it. I called them on XX/XX/XXXX and they said that the account will be unlocked in the next six business hours.I then called them on XX/XX/XXXX, after six business hours and they tell me that they are still investigating the account. Everytime I call they put me on hild never to pick up again. I am a single mom and I have no money for food, gas, or for important bills that I have to pay. Currently i am STILL on hold waiting for another agent to pick up. this is VERY frustrating. They have {$640.00} of my money on hold and will not tell me what 's happening with my money.

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 09-11-2017 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with American Payment Holdco, Inc. (KY).
Issue: Other transaction problem

Complaint: I used Check Free Pay to make a mortgage payment but the mortgage servicer never received it. Check Free Pay claims they sent it but XXXX XXXX says they have n't received it. 

Date Money Sent : XXXX/XXXX/17 Amount : {$1800.00}

Company response to consumer: Closed with explanation
Consumer complaint received 04/17/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: XXXX is reporting negative account information on my TU credit report. I am located in NJ, and the terms of my loan with XXXX XXXX far exceeded the maximum interest rate allowed in my state. Furthermore, since they are not licensed in my state, NJ specifically voids these types of payday/installment loans. The loan is illegal and should not be reported to my TU report at all. I have attempted to dispute this with TU already, but the loan came back verified by XXXX and TU will not accept any of my documentation regarding the complaints I made with my state. I even asked the rep at TU on the phone what I could provide as proof that the loan was illegal and she said " nothing ''. If it comes back verified, you have no option. Basically, I was directed to take my complaint to the CFPB. 

THE CFPB has filed suit against XXXX XXXX ( and companies like them such as XXXX XXXX ) that try to take protection under tribal law as the reason why they can operate illegally and harm consumers. XXXX of the last ways they harm consumers ( who have stopped the ACHs and closed bank accounts ) is by reporting negative information to credit reports to try to extort payment. 

I am requesting that the listing be removed and never reported again since it is illegal ).

Company response to consumer: Closed with explanation
Consumer complaint received 07/28/2016 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I filed a complaint stating that the Public Record Information was inaccurate in its filing. As the term " Dismissed '' means that it is adjudicated by the law. My case concern no form of solvency, nothing was placed under conservancy, examinership, liquidation or provisional debt reconstruction. There were no exemptions, no surrender of any kind as stated within the regulations of the XXXX " Means Test ''. The credit bureaus have retrieve my information from a third party entity without my authorization, therefore holding my identity and credit under " Consumer Lock '' for 10 years. The Bankruptcy Court has confirmed that they did not verify by documentation and the credit agencies have stated I can no longer challenge this negative entry. This discrepancy has prevented me in my personal life 's pursuit. Please advocate for me in this challenge.

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