milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10-12-2016 about Bank account or service (Other bank product/service) with M&T BANK CORPORATION (MD).
Issue: Making/receiving payments, sending money

Complaint: On XXXX/XXXX/2016 I accidently sent a payment to M & T Bank to a closed loan ( XXXX ) from XXXX. This was my mistake. I called M & T Customer Service multiple times and was told it would be returned to XXXX XXXX Bank. It never was returned. On XXXX/XXXX/2016, I called M & T again and was told sorry the money was still at M & T. To speed things up they could put in a checking account at M & T within 48 hours. As of XXXX/XXXX/2016 I still do not have my money back, and they now refuse to tell me when I will have my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 09/20/2016 about Bank account or service (Other bank product/service) with WELLS FARGO & COMPANY (CO).
Issue: Account opening, closing, or management

Complaint: We had XXXX accounts at Wells Fargo during the time they opened XXXX fake accounts. 
I can only assume that that at some point that will impact our financial status. 
How de we search to find out if we were victimized with fake accounts using our personal information? 
Regards, 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 06-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (OK).
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: In XX/XX/XXXX, I received my first statement from University XXXX XXXX XXXX XXXX XXXX ( XXXX ) stating my Title XXXX Federal Student Loan was going to be reported delinquent. As a result, I asked Federal Loan Servicer XXXX XXXX to consolidate the Title XXXX Federal Student Loan with my other student loans.  On XX/XX/XXXX, my XXXX Title XXXX Federal Student Loan was consolidated to my other XXXX XXXX Federal Student Loans, which are frozen in Federal Unemployment Deferment, as noted in the attachment from XXXX XXXX. However, XXXX reported me as delinquent in XX/XX/XXXX. My XXXX Title XXXX Federal Student Loan is not delinquent in XX/XX/XXXX, since it was consolidated in 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 03/24/2018 about Vehicle loan or lease (Loan) with WELLS FARGO & COMPANY (AZ).
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint: On XX/XX/XXXX, I opened an account with Wells Fargo Dealer Services. In XX/XX/XXXX a late payment was placed on my account. I still have the account open and up to date with the payments. The purpose of my correspondence is to see if you would be willing to make a goodwill adjustment on the reporting to the three credit agencies. I am very happy with the service but however I am not the ideal customer and made mistakes with my handling of the account. As of right now my account is paid up to date and I haven't had any more late payments. I know that payment was my responsibility and I am not attempting to justify this breach of my user agreement, I was however hoping you might review the circumstances under which the non-payment and consider removing the negative trade line associated with this account from my three credit reports.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03-05-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I am sending the third complaint about the erroneous information you continuously report on my credit file. For the final time I am disputing all the accounts listed as fraudulent accounts. I am unaware of the accounts. I have been a victim of identity theft in the pass and it seem as if this is a case of identity theft. I know it well to often and I shouldnt suffer any longer for someone elses wrong doing. I would like to dispute the accounts as an internal dispute and an affidavit. Removed the accounts from my credit report immediately and permanently within 72 hours or else I will be seeking a lawsuit on your company for violating my rights and seeking {$10000.00} for damages, hospital bills & distress. This is a serious matter. 
XXXX XXXX, XXXX, XXXX/ XXXX , XXXX XXXX. You can contact me at XXXX or my email for any questions. Also please be sure to list this address and remove every other address, numbers or information that is erroneous from my account within 72 hours.

Sincerely 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 01/25/2018 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with FIRST ADVANTAGE CORPORATION (AL).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: Things on my background check should not be pulled up after 7 years and it keeps on appearing I plead out to the charge back in XX/XX/XXXX and XX/XX/XXXX its been 14 years and it still showing up preventing me from jobs and things of that nature

Company response to consumer: Closed with explanation
Consumer complaint received 01/23/2018 about Debt collection (Medical debt) with Rash Curtis and Associates (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: Hello, This collection company is called XXXX XXXX XXXX XXXX and they are located on XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX. 

They have shown up on my XXXX credit report. I attempted to contact this company via certified mail asking them to verify this " medical bill '' and show me proof that I owe them, I have also included my updated mailing address to ensure they have the right address to send me back any documents. They failed to respond to me. I contacted XXXX and disputed this collection account several times and everytime they said they couldn't take it off because of the collection agency. I contacted the doctor 's office that is listed on the account and they mailed me a document showing " XXXX   balance '' and that I don't owe anything. I disputed the item again with XXXX and attached the document showing I have a XXXX balance with the doctors office and I also included the letter and certified mail receipt showing I sent this to the collection agency. XXXX failed to take this account off my account and instead of listening to me they transferred to me to the collection agency who were very rude and ended up hanging up on me despite admitting they did get the letters from me. This collection agency is violating the law by putting something negative on my credit report despite proof that I owe nothing and even the amount they out there is different that the amount that was paid to the doctor 's office. 

This is the only negative thing on my credit reports and it is ruining my life. Please 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 10/31/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I was never notified by this company of this debt in writing by law, therefore was never given the opportunity to dispute this debt that does not belong to me. 
1. XXXX, account ; XXXX, this account is not mine. 
2. XXXX, account ; XXXX, this account is not mine. 
3. XXXX, account ; XXXX, this account is not mine.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03-05-2017 about Bank account or service (Other bank product/service) with EARLY WARNING SERVICES, LLC (FL).
Issue: Account opening, closing, or management

Complaint: EARLY WARNING of XXXX XXXX XXXX XXXX XXXX, AZ XXXX has an entire file on me with inaccurate information and their online portal is not working to submit disputes. My Consumer ID is XXXX First : XXXX XXXX XXXX reported contribution ref # XXXX They have a loss as {$190.00}. I sued XXXX and they provided a debt waiver for me. Second : XXXX XXXX Contribution ref # XXXX saying they had a loss of {$430.00}. This account does not belong to me. Third : XXXX Acct # XXXX Acct # XXXX Acct # XXXX Acct # XXXX do not belong to me. Fourth : XXXX Acct # XXXX settled with me because they were found to be at fault. I received {$9000.00} and a debt waiver from them. My attorney is XXXX XXXX. Fifth : XXXX Acct # XXXX does not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 04/17/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Recently saw a copy of my credit report i see there are over 15 inquiries that i did not authorize furthwer more i reached out to these companies and they said they do not have any application with my name or social. Furthermorei have a security freeze on my account so these un authorized inquries would stop, here are the inquiries i have also attached a copy of 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 09/18/2016 about Mortgage (FHA mortgage) with RoundPoint Mortgage Servicing Corporation (NC).
Issue: Loan servicing, payments, escrow account

Complaint: I am a home owner in North Carolina and my rights to privacy have been broken by RoundPoint Mortgage service. They called my place of employment and gave out my mortgage payment information to my co-worker which is a direct violation of the law. They have also been reporting to the credit bureaus inaccurately that I am behind on which I never have been. I have sent them documentation to prove then wrong and they refuse to make the correct changes to my report. I have never in 15 years of owning a home been late on my mortgage and now that I have been dealing with RoundPoint Mortgage the past year, they have gravely embarrassed me by giving out my private information and continue to report to all XXXX credit bureaus inaccurately. I have tried countless times to speak with management their but they refuse to contact me back. Only until XX/XX/2016 I contacted XXXX who owns the rights to my mortgage did they finally say they would handle the situation. I do not believe they will.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03-06-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NY).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint: Experian. I know you've received multiple complaints about them. They charge me every month, despite me never signing up for anything. You can't cancel online. They don't answer emails. The wait time for the phone is over two hours long. Absolutely unacceptable.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 12-12-2017 about Money transfer, virtual currency, or money service (Mobile or digital wallet) with Coinbase, Inc. (AZ).
Issue: Managing, opening, or closing your mobile wallet account

Complaint: Coinbase.com After years of issue free service, I was told that my " buys are disabled '' and I need to verify my identification. After, identification was successfully verified. Then I was told that my " buys are disabled for unknown reasons ''. I contacted support and they quickly got back to me telling me that they 're looking into it. I created another account with different information and different bank accounts. I was quickly told that my " buys are disabled for unknown reasons ''. I 'm now locked out of my account and I can neither withdraw the money I have nor buy more. I contacted support again and it has been 1 month with no response.

Company response to consumer: Closed with explanation
Consumer complaint received 07-09-2015 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (NY).
Issue: Application, originator, mortgage broker

Complaint: I submitted a mortgage application to XXXX. in XX/XX/2013. Part of the process is XXXX must submit toinvestor who in this case was Wells Fargo and Wells Fargosuspended my commitment. As it turns out they suspended mycommitment because they asked questions about XXXX cancelledchecks. Problem is I never submitted canceled checks with myloan application which XXXX has confirmed. Only way for WellsFargo to see the canceled checks was to gain UNAUTHORIZEDACCESS to my XXXX XXXX account.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/21/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (FL).
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint: In a nutshell I have had this loan for 25 years first through XXXX XXXX and now Navient ... the original Loan amount was around 17k. Throughout the years I have struggled with employment and had to use forebearance tools to help cope for the first 20 years with XXXX XXXX my principle was actually going down. Over the last few years with Navient my principal has risen XXXX just in interest and fees due to a reduced payment program they put me on. Problem is they failed to tell me that this reduced payment does n't even cover interest amount so my debt has ballooned. I do n't understand how this is legal. How can I ever pay off these loans?

Company response to consumer: Closed with explanation
Consumer complaint received 11/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MI).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have submitted a police report to all 3 credit beuros aeveral times reguading the following i b quires. I need them removd immediately because they are causing negitive impact on my credit report. Th r y are not mine and never authorizrd. Here is list of inquiries, thank you XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX 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 07-01-2015 about Debt collection (Medical) with TENET HEALTHCARE CORPORATION (FL).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: This account was paid by me even though I was not provided any proof that I owed the debt and then they placed a statement on my credit file that is not true. " Paying under a partial payment agreement '' This statement is not true. I asked them to provide me the name and address the doctors, the date and type of medical care, and to who the medical care was provided. I also want to know who is providing this data, and the manner in which it was provided in order that I may pursue additional legal remedies. Also, my insurance company told me they paid the whole amount of the debt. They have violated the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 08/30/2017 about Debt collection (Medical debt) with Paramount Recovery Systems, L.P. (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I had a perfect record with a score of XXXX when all the sudden it dropped to a XXXX over night from a delinquency stated XX/XX/XXXX that was not reported until XX/XX/XXXX, this year. I am looking to buy property within the next 2 years in California as I have been a California resident for a long time so this naturally devastates me. The reporting collectors, Paramount Recovery Systems, did not report the delinquency until five years after the date of the medical service. Paramount did not contact me when the 5 year old " delinquency '' showed up on my report either and I found out because I routinely check my XXXX score through XXXX every other month or so. Back when this service was performed, I had settled what I owed to the original Medical company and they did not reach out to me after that point with any further bills or mail at all. This was because we had settled that payment completely. Paramount has since bought that companies debt and is attempting to reap money out of falsified debt reports that they have created five years later. The fact that the original company has not contacted me since the original time span of the services proves that the payment was accepted and settled. It is not right or fair, five years later, for Paramount Recovery Systems to attempt to falsify delinquencies to reap more money. I have disputed the account with credit bureaus, however, I need further help against this matter. The fact that the original XXXX XXXX XXXX has not made an attempt to contact me in 5 years proves that this claim is being falsified by Paramount Recovery Systems. Please let me know if you or anyone in your office can help me fight this. I have disputed the account to credit bureaus and Paramount has somehow come back with falsified documentation for the account that I am attempting to dispute. I am a good citizen with a clean record and otherwise perfect credit score looking to buy property within the next few years and I do n't want my future to be severely hindered by this falsified credit report due to Paramount Recovery Systems. Attached is the copy of my credit report including the falsified account by Paramount Recovery Systems. Please note everything else on my credit history is completely perfect and I have never missed a single payment in my entire life.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08-06-2015 about Student loan (Non-federal student loan) with CITIBANK, N.A. (HI).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I hold XXXX student loans with Citibank. I decided in XXXX to submit their auto-debit form. Unfortunately, the form can not be submitted online and must be mailed. Citibank has no record of receiving my request. I only realized this yesterday when XXXX notified me of a late payment on my credit file. I immediately logged into the Citibank student loan website, made the payment, and sent them a message inquiring about the issue. They responded that they had not received my request. 

In the past, Citibank used multiple methods of contacting me including sending paper statements and telephone calls when I had n't paid by the due date. It appears they have changed their practice. If they had maintained the contacting methods they used in the past and that are similar to other creditor practices, this situation would have been avoided. 

I am seeking a mortgage for my first home and this derogatory credit reporting will severely impact that process. I am seeking a resolution where at the least Citibank removes the derogatory credit reporting. To help others, they may also streamline the auto-debit process, and be much more clear about notifying consumers when they change the method of contacting them in similar situations.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/13/2018 about Debt collection (Credit card debt) with Phoenix Financial Services LLC (FL).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I am filing this complaint because Phoenix financial has ignored my request to provide me with the documents that their company has on file that was used to verify the account that I disputed. I have requested for the original contract papers with my signature to prove this debt is valid. It has been well over two weeks and I have yet to get a response.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08-09-2016 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (KY).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Dates from which the debs run are dates the third party collection agency purchased the debts and NOT the dates the debts became delinquent. when I contacted them they would only say " no comment ''. These erroneous dates are nearly TWO years after the original delinquencies occurred. The original creditors refused to negotiate terms for payment with me. 

The collections agency is Midland Funding LLC on two debts, one from " XXXX ''. and XXXX from " XXXX '' on both XXXX and XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/15/2017 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (GA).
Issue: Problems caused by my funds being low

Complaint: I was overdrawn on my checking account due to a paypal charge XXXX was for XXXX dollars and XXXX cents, so wells fargo charged me XXXX dollars overdraft fee even though they took the money out of my savings account, another charge was XXXX cents and they charged me XXXX dollars over draft fee, the bank made XXXX dollars for a less than XXXX dollar mistake.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 02-05-2018 about Debt collection (Other debt) with CNG HOLDINGS INC (MD).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I paid this company in full, still trying to collect more money ; which is not owed.The company is XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 09-07-2016 about Credit reporting () with Experian Information Solutions Inc. (NM).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Experian is not responding to my requests to investigate and remove accounts that do not belong to me from my 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