milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04/20/2017 about Credit reporting () with Experian Information Solutions Inc. (MN).
Issue: Credit monitoring or identity protection
Sub-issue: Problem with fraud alerts

Complaint: I wrote the  XXXX   XXXX   XXXX   XXXX  times sending them  3  forms of ID that no bank will Verify me two open a new account and the Credit Burrow docent respond or sends a Credit Report so fore about a Year and half i have not been able two Open a New Bank account all respond wee cant verify you.     Now I cant get a new credit card or bank account because there is and extended  Alert in my banking file and Im supposed two call some Number and call the Bank.    I have written all  XXXX   XXXX   XXXX  two remove the Hold on my account so i can Get a  New  Bank account.     The Federal Government determined me  XXXX  and my Mom Walked into  XXXX   XXXX  bank forged my Signature and stole  XXXX  dollars from me.     Then i had  XXXX  dollars in Fraud and closed two   XXXX   XXXX   XXXX     Accounts   XXXX   XXXX   XXXX   did n't close the accounts with Fraud i complained  XXXX    XXXX   XXXX   XXXX   then sent  XXXX  of my ATM cards  XXXX  and Address not mine and   XXXX   XXXX   XXXX   worker stole  XXXX  dollars from me. I have been in court 8 years against  XXXX   XXXX  and   XXXX   XXXX   XXXX     only 100 % respond its imposable two  XXXX .     Im a Refugee living in  XXXX  and have  XXXX  move  XXXX  a new country every 3 months so I do n't use a Phone because they only work in  one  country so i would have  XXXX  Spend  XXXX  Dollars a year  XXXX  Deal with the  Credit Reporting  agency wants the bank  XXXX  call me  XXXX  open a new bank Account.   The Federal Government has determined me  XXXX  i do n't use a Phone do  XXXX  My  XXXX  and please accommodate my  XXXX  and help me open a New bank account without a Phone. I can Send the bank  XXXX  forms of id buy Email and electronically transfer  Money two Verify Myself.        XXXX   XXXX   XXXX   Robs me  XXXX  dollars then i cant open a new account in 2 years is discriminatory, Please take the Hold off my Account so i can get a master Card.       I live in  XXXX  the  XXXX  fit  XXXX  of the world and do n't want  XXXX  send  XXXX  forms of Id threw the mail that takes a month and the credit Burrow wont want  XXXX  Right me Back in  XXXX  there is very little working mail.       Send the Credit burrow  XXXX  forms of ID  XXXX  times and they will only respond send ID

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 06/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
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 / XXXX /  XXXX   I submitted in writing a dispute to Equifax stating I disputed the  XXXX   XXXX  collections reported on my file. After not hearing back after they received the letter I again reviewed my file and all it stated was validated, this is again what I put in writing to them that the word validated does not satisfy the dispute. I want to see my signatures for the balances they are reporting. I called them on  XXXX  and was advised by "  XXXX  #  XXXX , that the dispute was validated, again I asked for the validation to be sent to me and she continues to say not her issue. I advised her that I have disputed with  XXXX   XXXX   XXXX  and they never sent me any documentation.  XXXX ,  XXXX  stated that it was n't her issue, since they " VALIDATED '' it was on my file. They have since marked my entire credit report as Disputed. This is crazy why would I dispute my entire report. I need assistance on getting this corrected since they do not seem to have any rulers or regulations when reporting incorrect information.

Company response to consumer: Closed with explanation
Consumer complaint received 08-07-2016 about Consumer Loan (Vehicle loan) with CAPITAL ONE FINANCIAL CORPORATION (CA).
Issue: Managing the loan or lease

Complaint: I recently was funded by Capital One through XXXX Financing for a new 2016 XXXX XXXX Motorcycle that I purchased on XXXX/XXXX/2016. A week later I get a letter in the mail from them with instruction on how to log in to my new credit card account, manage, and pay my monthly payments. Upon receiving this letter from them with a XXXX Financing card in the envelope, I realized that Capital One had financed the motorcycle for me by signing me up for a new credit card instead of with a loan. A week later, I check my credit score and find that I have now been hit with a XXXX point credit score loss because my credit card utilization rate is now awful because of this new credit card via Capital One. Nowhere during the financing process did the dealership or Capital One make it clear to me that I was being financed through a credit card instead of through a loan, and now because of this my credit score went from being great to being poor.

Company response to consumer: Closed with explanation
Consumer complaint received 12/27/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Radius Global Solutions LLC (WA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: This charge in the amount of {$420.00} was paid on XXXX/XXXX/2016 to Central Credit Services. I have all supporting documentation showing proof of payment. On XXXX/XXXX/2016, i received notification from XXXX stating it had posted as a 'collections ' account. I called Central Credit Services and they told me i still owed the amount that was paid on XXXX/XXXX/2016. I faxed proof of payment. They verified it was received but were not willing to tell me if my balance was now cleared and in good standing. I am now in process of disputing this charge through XXXX. I 'm concerned that since they wo n't verify that my account is settled that they are trying again to steal the {$420.00} from me.

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 Debt collection (Other debt) with Monterey Financial Services LLC (MI).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I have an issue with a company called  Montery Financial Services. I  have authorized them to on the  XXXX  of every month starting on  XX/XX/XXXX     to withdrawal the amount of approximately {$150.00} dollars from my bank account. However, for whatever reason for the first month the automatic withdrawal did not go through. Having me to call in an do a charge over the phone at the rate of an additional {$15.00} dollars per transaction. The contract I signed was allowed for {$150.00} per month an not the additional fees they tack on for their arbitration of refusal for payment.  <P/> I called during the second month to see why it was taking my automatic payment so long to post. Only to be told it can take up to  five  business days to process the card. However during that interim they charge an additional {$10.00} dollars per day to the monthly balance over the amount agreed in the contract. Secondly, the person I spoke with stated my card was pending and I was given a confrontation number for my payment not given any indication my payment was declined.   However when I check my bank and call back the previous day they informed me my card was declined yet I have no notification from  Montery  or any pending charge or notification from my bank.  <P/> During the second month using the same card they accepted earlier they refuse to charge the account for the amount due. This makes the accout become delinquent. Then they proceed to charge an amount of {$10.00} per day for a late fee plus another {$10.00} per fee for declining my previously approved payment method. I have contacted them attempting to pay yet they still do n't process my payment and claim it is late. Can you help me?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07-08-2016 about Consumer Loan (Vehicle loan) with BB&T CORPORATION (VA).
Issue: Problems when you are unable to pay

Complaint: [ Case number : XXXX ] The company responded to my complaint and the result was unsatisfactory. BB & t hired XXXX which is a collecting agency once the car was taken away.The vehicle was sold at an uction. Yet, the company has chosen to seek garnishment for wages which exceeds the deficiency amount. They are seeking the originating loan amount instead. 

As stated : I defaulted on your payment schedule and the vehicle was repossessed on XXXX XXXX, XXXX. The vehicle was sold on XXXX XXXX, XXXX. BB & T attempted to collect the deficiency balance of {$10000.00} but was unsuccessful in obtaining a repayment agreement. BB & T assigned the account to the attorney firm of XXXX XXXX XXXX to obtain a judgment against you. BB & T obtained a judgment on XXXX XXXX, XXXX in the amount of {$10000.00} with an interest rate at 10.99 % from XXXX XXXX, XXXX until paid, cost of {$51.00} and attorney fees of {$2500.00}. 

First it is immoral and unethical to charge someone interest on a deficiency amount. This could be illegal. Second, the only amount I should owe is what the deficiency amount was after the sale. Third, how is a company allowed to take your vehicle for nonpayment, resell it, charge interest and then try to garnish wages for the original amount of the loan??? this has to be illegal!

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 05-11-2016 about Student loan (Non-federal student loan) with Weltman, Weinberg & Reis Co., L.P.A. (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint: I have a student loan that originated with the XXXX XXXX and was subsequently subbed out to another company called XXXX. I have been making and continue to make payments each and every month with XXXX and yet they have now authorized various collections agencies to initiate attempts to contact me by written letter and phone. The most current collection firm, Wellman , Weinberg & Reis Co. has attempted to contact me for payment of my loan in full, however the account number they list for my loan is incorrect. I have no way of knowing if this is a legitimate company as they do not have the correct information regarding my loan. Furthermore, as long as I continue to make the payments to XXXX and they receive and cash them, it does not seem appropriate that these agencies represent themselves in a manner that is provided by the law to arrange collections for the loan amount due. I am asking your agency to demand that Wellman, Weinberg & Reis cease and desist in any efforts to contact me either by written letter or phone presently or in the future regarding my loan originating with the XXXX XXXX that is now being serviced by XXXX with the approval of the XXXX XXXX and for which XXXX has received and banked the funds issued for payment of this loan. Your assistance will be greatly appreciated regarding this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 06/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with SANTANDER CONSUMER USA HOLDINGS INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I contacted this agency on  XXXX   XXXX ,   XXXX  . The information on my credit file states I had a car loan with them, when I never had a loan with them. The date they state I opened a loan is the same date I opened my loan with   XXXX   XXXX  ! Who is currently my finance company and always have been since  XXXX ! I attached copies of my   XXXX   XXXX   doc uments! Proving Santander consumer company was never my finance company and I still possess my vehicle! I am a victim of fraud! I have contacted my lawyer then fbi! Santander consumer is fraudulent!! They are keeping me and my children from home ownership!

Company response to consumer: Closed with explanation
Consumer complaint received 04-03-2017 about Debt collection (Medical) with TENET HEALTHCARE CORPORATION (SC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I pulled a copy of my credit reports and saw the Central Financial Control reported XXXX collections that does n't belong to me. I called to ask for validation of the debt in XX/XX/2017 and they got rude and refused to send it. I sent a certified letter to the company on XXXX XX/XX/2017 requesting validity of the debt and to cease and desist all credit reporting until the debt is validated. The company is still reporting the collection on my credit report and has not responded to my letter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/25/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Please be advised this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance.

Despite two written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA

Company response to consumer: Closed with explanation
Consumer complaint received 02/27/2017 about Credit reporting () with Experian Information Solutions Inc. (AZ).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I have found wrong information listed in my credit report and I have disputed to Experian, but they still not update my info.

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 08-01-2016 about Credit card () with CITIBANK, N.A. (OH).
Issue: Other

Complaint: I received a response from Citibank a couple of weeks ago ( Case number : XXXX ). I do not agree with the information in the response as it relates to the new card being activated. I have not activated that card and I left a voicemail for XXXX at Citibank that the card is not activated and will not be activated until I heard from Citibank. I want to know the date, time and how the card was activated. The only time I have been on the Citibank Website is to pay my bill so I am not late and this should not activate a card. I also have a concern for identity theft since during my initial call on XX/XX/XXXX that I have been told is not documented that I gave the person who I spoke to my full social security number. I also have a concern that 5 days after I rec 'd my new card in XXXX via XXXX that I also rec 'd a card in the mail with the same number - would this card have been activated if someone would have tried to use it? I do not have confidence in the security at Citibank for the Costco Visa.

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 12-10-2016 about Mortgage (Home equity loan or line of credit) with BB&T CORPORATION (TX).
Issue: Application, originator, mortgage broker

Complaint: Over a period a six months, my XXXX mother applied for a large loan from BB & T in XXXX. Over that period my mother was asked to pay for an appraisal fee of over {$500.00} and was led to believe that she was in line for the loan. Over a six month period she was, I feel, led on my a young employee at the bank who played to her motherly instincts. While salesmanship is a part of business, my mother spent thousands of dollars on an apartment under false impression it turns out, that the loan was a mere days away. This process cost her thousands of dollars over a six month span. While this is in no way a predatory loan, I feel that my senior citizen was indeed led on by BB & T.

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 12/19/2016 about Bank account or service (Savings account) with AMERICAN EXPRESS COMPANY (NY).
Issue: Account opening, closing, or management

Complaint: I have been trying since XX/XX/2016 to close an account following a death. American Express FSB continually provides different information on their process, fails to return phone calls inquiring about status, and blames the US postal service for records not received beyond what is reasonable.

Company response to consumer: Closed with monetary relief
Consumer complaint received 01-09-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NY).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: Since XXXX of XXXX I 've sent several dispute letters to Experian thru certified mail and online direct dispute regarding an account that keeps changing different items that is affecting the 7 year removal date. I had 2 accounts with the same debtor that went delinquent on the same exact date and both should have the same removal date. Both accounts were removed by XXXX XXXX XXXX due to the 7 year date, and I sent the information from XXXX along with a follow suit letter showing the correct information and prove of deletion with no resolve. Experian has the same accounts with one having a removal date of XXXX XXXX and the other having a removal date that has changed several times and the latest date of removal now states XXXX XXXX. This date along with the first reported date changes every time i dispute and ask for the information experian received to validated and verify the dates and information. Till this day I have not received any of the information I have requested and that I 'm entitled to from experian regarding this account except a pre-generated generic letter saying the information has been updated. This account should have the same exact dates as the other account and should have the same removal date also, because as it sits today it looks like the account was just opened or reported and will be on my file for a total of 14 years. I feel as if experian is not investigating my dispute as guaranteed by the laws and rights afforded to me by CFPB and other governing bodies. The account has been and is being re-aged as my attached documents show and it 's making it very very difficult for me.

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 10-05-2016 about Credit card () with AMERICAN EXPRESS COMPANY (NY).
Issue: Other

Complaint: I have disputed with AMEX the negative information they report on my credit report. AMEX signed for receipt of dispute on XXXX/XXXX/2016. According to the FCRA 623 ( a ) ( 3 ) - AMEX was required to add a statement of dispute within 30 days of receipt of dispute. However on XXXX/XXXX/2016 I checked one of reports and i saw that they failed to add this notice of dispute. i have sent AMEX a letter and proof ( see attached ) regarding this violation of my rights and not being compliant with the FRCA however currently I have n't yet received a response from them regarding their violation nor have they removed the negative information from my reports. 

This is my final goodwill attempt to allow AMEX to clear up this issue and remove all negative information [ in a timely manner ] from my account. Otherwise I will be suing AMEX in small claims court closest to me. I will request {$5000.00} as i have outlined in my letter.

Company response to consumer: Closed with explanation
Consumer complaint received 08-07-2015 about Credit reporting () with Experian Information Solutions Inc. (NY).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: XXXX bank placed an inquiry on my Experian report, after XXXX sent them over my information which they got in error ; based on misleading information and advertisements practices. However, when I connected XXXX bank questioning the inquiry, they first told me and sent me an email stating they do n't know and do n't see that they ever pulled my credit or who it is from. Even after XXXX advised them of the error that occurred and asked them in writing to get it removed masked and deleted they still kept the inquiry on my report despite several phone calls and emails I myself placed to them which they ignored and disconnected.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11/21/2016 about Credit reporting () with EQUIFAX, INC. (CT).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have been constantly going back and fourth with equifax. Equifax stated here on XXXX/XXXX/16 that they where not showing frontier communications on my credit file. I spoke to a rep today and he informed me that equifax is still on my credit file. He also informed me that it was never deleted and will not be deleted as the account is still under investigation. He told me that despite me submitting the email from frontier they do not accept that as proof. If frontier continues to say this is my account then it will continue to remain on my account although the rep told me he could not find me by name, social, or date of birth or address. Apparently equifax has lied in their response to the CFPB with you will find attached. This account is seriously damaging my credit and needs to be removed asap. The are playing games that are damaging my credit. This is very unacceptable.

Company response to consumer: Closed with explanation