milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05-03-2016 about Debt collection (Auto) with JNR Adjustment Company, Inc (NY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: I 'm a victim of identity theft and someone open up account in my name they even rented a car in my name and now it 's on my credit report. JNR Adjustment, it was removed from my XXXX report but not from XXXX report

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08-02-2015 about Consumer Loan (Vehicle loan) with SANTANDER CONSUMER USA HOLDINGS INC. (FL).
Issue: Shopping for a loan or lease

Complaint: XXXX XXXX of XXXX, Florida forced me into getting a XXXX XXXX. I went into the dealership only to look around. I salesman asked me if I see something that I like. I said no i 'm just looking around. He ask if I wanted to see if I qualify I agreed. I make it very clear I do n't want a vehicle only to see if I qualify. I did n't bring money, or anything else. So after he seen my mom and aunt leave the dealership, he approved me for a loan. My mom and aunt went to the store by the dealership, and was coming back to get me. The manager, and the salesman forced me to get the XXXX knowing I did n't qualify. My credit score is low, plus I work part-time. I stated that I did n't want a vehicle or loan. They knew I told them I was n't purchasing one. After they said that I said I did n't want it for XXXX minutes straight. They said the bank gave me the car and that I ca n't leave the dealership without the car that they picked out. I felt harassed, and forced to get something I did n't want. The manager said if I did n't take it he was sending it to my house. For one I was violated, two I did n't know what was going on, or what scam the had going on at the time like I do now. The took advantage of my grandmother she said she would co-sign if her son was present. He was not present she was forced also to sign the manager told the salesman to drive to her house to so she could sign. My grandmother does n't remember signing anything, she has early dementia. It was late it was time for me to take my XXXX medicine l was very confused at the time they back me in a corner basically and threatened me. I received a letter from the XXXX corporate office stating that we did n't qualify. I have been trying to call the dealership in XXXX, Florida. The manager XXXX has been rude, also general manager XXXX. I have been trying to stay in contact with bank so we can be released off of the loan. I received a letter from Santander Consumer USA, stating we did n't qualify. The president of the bank said he 's waiting on XXXX to respond it 's been a month they still have n't heard from XXXX XXXX. The manager at the dealership is still trying to qualify me for other auto loans without my permission. We are tired of this nightmare. The bank is in on the scam with the dealership. They forged our information and rolled back to the odometer. The bank knows everything that 's going on and they are lying about it. The dealership is stealing our information for us to keep the car when they know they messed up so now they trying everything they can to make me keep the car. I want something done about this, they have taken advantage of a lot of people that came through there the bank to they have a bad reputation the bank just had to pay a lot of people back because of fraud. I been gave the car back XXXX days later

Company response to consumer: Closed with explanation
Consumer complaint received 10-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Aargon Agency, Inc. (NJ).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: There are 2 accounts on my credit report that are not mine. One is XXXX XXXX XXXX with XXXX XXXX XXXX and the aargon agency with XXXX XXXX XXXX. I 've reported to XXXX and both of these credit agencies that these accounts are not mine I was n't living in the addresses at the time these bills occurred. Someone must 've kept the bill in my name. I request for this to be removed for fraud and incorrect 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 06/20/2017 about Debt collection (Other debt) with Rent Recovery Solutions (AZ).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Rent Recovery Solutions is reporting on my credit report fradulently for XXXX XXXX XXXX. I 've contacted Rent Recovery Solutions and ask for the original indebtedness of said account to no response. This is against the law for this company to continue to report false information according to the FCRA. I also did n't find that this company has a valid License, Bond, and Certificate of Authority in the state of Arizona.

Company response to consumer: Closed with explanation
Consumer complaint received 12-01-2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (CA).
Issue: Other

Complaint: I have had a credit card with this company for over 2 years, proven to be an excellent consumer, never been late with a payment, paid off the credit card balance more than twice. The company continues to charge me absorbent usury fees, monthly and annually and they have not given me the best interest rate available. Often the minimum payment I make is put right back onto the account in interest not reducing the balance. 
I opened this account with the company aware that I am on a fixed income, reporting an annual income of less than {$XXXX}, and that I am not employed. I had a credit card increase more than once, and I have been responsible. 
I am an American with XXXX, and I realize that I am being taken advantage of because of my condition. I especially, have been mentally challenged as being on a limited income. I have asked the company to close my account, however, I have been told it is better to keep the account open until it is paid off, which is tempting, because then I will use the card because inevitably I will need something before months end. 

What I hope to happen : Given the fact that I have been an exemplary consumer, and proven my creditworthiness, and the company has deliberately and willfully used unethical business practices in extending credit, through usury practices. I want this credit card debt to be settled by the company and in good standing on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 10-05-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: Transunion had a computer glitch that caused all of the inquires on my credit report to be deleted, and my credit score increased. The very next week, all of the inquires were reinserted to my credit report without prior written notification in direct violation of Sec 611 of the Fair Reporting Credit Act. I am requesting that the reinserted inquires be permanently removed from my credit repot.

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 07-02-2016 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: A dispute was submitted to Equifax concerning three accounts : XXXX XXXX XXXX and XXXX XXXX. Each account reflected a negative remark that has adversely effected my credit report. XXXX XXXX XXXX is a collection agency who during several conversations with most recent occurring on XXXX/XXXX/XXXX is updating my credit report in behalf of XXXX XXXX XXXX XXXX. A conversation was held with a XXXX representative named XXXX XXXX on XXXX/XXXX/XXXX at approximately XXXX on a recorded line. XXXX XXXX was informed of the situation with the co-pay and the outstanding balance in the bills. He informed me that the bills have been charged off and that XXXX has no interest in them. When he was asked about collections he stated that the bills were sold to XXXX XXXX Systems on XXXX/XXXX/XXXX. XXXX XXXX was asked about adding collections to credit reports and he responded by stating that XXXX does not report medial bills to collections nor do the ask the medial collection be reported on credit reports. He then stated that XXXX XXXX XXXX has not been authorized by XXXX to added collections to credit reports. XXXX XXXX then stated that XXXX XXXX XXXX is merely a third party collection company that is trying to collect a payment for there benefit because they now own the debt. This is conflicting information as because in a response to a previous dispute filed XXXX XXXX XXXX who is the parent company of XXXX XXXX XXXX stated that they were acting on behalf of XXXX and updating on behalf of XXXX. They claim that they do not own the debt but it was reported by XXXX that the debt was sold to XXXX XXXX XXXX on XXXX/XXXX/XXXX which is reflected on my credit report. Documents are attached to verify the phone conversation with XXXX XXXX XXXX and to verify that XXXX XXXX XXXX has stated that the are acting on behalf of XXXX. 
In regards to the XXXX XXXX account there have been late marks added for XX/XX/XXXX and XX/XX/XXXX which should not be there. The car was paid in full XX/XX/XXXX as a result of trading my car in. XXXX XXXX overnighted a check on my behalf. As for XX/XX/XXXX we did not own the vehicle. Attached is the letter from XXXX confirming the debt was paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 04-08-2016 about Credit card () with SYNCHRONY FINANCIAL (MD).
Issue: Credit determination

Complaint: I have a Synchrony Care Credit Card I obtained at a DDS office. I was unsure what balance or credit I had available on my Synchrony card as well as my company provided XXXX card. I mentioned this to the receptionist and was told she could not provide for the XXXX card, but could get the balance available on the Synchrony Care Credit card. She proceeded to call and was given the available balance. Given that, any other card I should call about on my own behalf, would provide information only after I answer multiple pertinent questions to verify my identity. Is this legal??? I was not asked a single question and the party at Synchrony did not ask for my approval for such information to be shared with the DDS office. I called the Synchrony people to question this practice and was told, yes this is information provided to the DDS who is a vendor of services. Any dental, cosmetic service or medical provider, etc. can find out my available credit on this card with no question asked. Can this please be investigated. I will not use this card again if this is valid and/ or legal in any way!

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 04/18/2017 about Debt collection (I do not know) with WAKEFIELD & ASSOCIATES, INC. (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: XXXX XXXX XXXX is attempting to collect debts from me.I never established a contract with this company. A debt collection company has no legal right to collect a debt from me because they purchased a debt. They are also in complete violation of the FCRA law.

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 08/26/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with BANK OF AMERICA, NATIONAL ASSOCIATION (NJ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint: I had a safe deposit box at Bank of America and tried to cancel it XXXX years ago ( when I moved out of the area ), but they would n't let me and continued to pile up fees. I declared bankruptcy more than a year ago and the bank was notified as part of that process, but they ignored it and sent collection letter afterward. I wrote bank to refer and remind them of bankruptcy. Finally, bank sent me letter stating that they acknowledge bankruptcy, but they only would void fees prior to their letter ( XXXX XXXX, 2015 ) and they will not close box account and will continue charging me fees from XXXX XXXX, 2015 forward. Should n't the bankruptcy void all fees and close that safe deposit box account? 

It 's Bank of America and their box account # XXXX. My bankruptcy is a Chapter XXXX and case # XXXX ( NJW ). 

Please help!!!!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 12/18/2016 about Debt collection (I do not know) with NCC Business Services, Inc. (TX).
Issue: False statements or representation
Sub-issue: Indicated committed crime not paying

Complaint: As a consumer who do know my legal rights under the FCRA, FDCPA, XXXX and also CPB I am now demanding action against XXXX XXXX located in XXXX XXXX XXXX XXXX XXXX Texas XXXX. These people claim I owe them {$250.00} for moving into there apartments but I never ever signed a legal document or lease. I tried contacting them and they would cooperate with me, totally unprofessional so I am forced to fill out complain. Will stop reporting them when they stop trying to extort me and defame me as a person by deleting this off my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 09/22/2015 about Debt collection (Credit card) with CAVALRY INVESTMENTS, LLC (IL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: COLLECTION AGENCIES KEPT CALLING AND TRYING TO SKIP TRACE MY BROTHER ETC IN VIOLATION OF FCRA, FDCPA, TCPA

Company response to consumer: Closed with explanation
Consumer complaint received 01/17/2018 about Debt collection (Other debt) with Convergent Resources, Inc. (WA).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: My home building contractor and I received a utility bill from XXXX XXXX XXXX which had a total balance due of {$26.00}, however when I logged in to pay it showed a balance of {$430.00}. I called to sort this out, and according to the bill I had in hand and also the one that they had in their system there was a credit of $ XXXX in the " other Charges or Credits line item. The previous statement balance was {$400.00} which with the credit applied equaled {$26.00}. For some reason the system was adding the previous balance and current balance together for the current total. The person on the phone stated they saw the discrepancy and would look into it, but it required getting in touch with someone who was not in the office, so they said they would call me back once they did some digging/resolution. I never received a call back, but instead received a collections letter. On top of all of this they originally sent the bill to the wrong address in a town 80 miles from where I live. I disputed the collections, and they sent me a letter again saying the charges were valid with a copy of the bill that had a total charges due of {$26.00}. At this point I feel I do not have enough evidence to verify the charges they are claiming. I would like to file this complaint on both XXXX XXXX XXXX, and the collection agency XXXX 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 05/13/2017 about Checking or savings account (Checking account) with SANTANDER BANK, NATIONAL ASSOCIATION (FL).
Issue: Closing an account
Sub-issue: Company closed your account

Complaint: I opened an account under a promotion with Santander Bank. In order to receive a promotional bonus of {$220.00} I needed to keep my account open and make a direct deposit within the first 90 days of opening the account. I kept my account in good standing and did everything the bank asked of me. My account was closed by the bank due to their arbitrary rules with no notification or warning. My employer direct deposit was denied and had to receive a paper check after my pay date because I was given no warning. The same week I would meet the qualifications for the promotional bonus I was approved for the bank closes my account. Here is a timeline of events with my account. XXXX/XXXX/XXXX - Applied for Simply Right checking account with promo code XXXX XXXX/XXXX/XXXX - Date account opened and opening deposit deducted from my other bank account XXXX/XXXX/XXXX - Receive welcome kit and enrolled in online banking XXXX/XXXX/XXXX - Mailed signature card back to Santander in self addressed postage paid envelope XXXX/XXXX/XXXX - Received letter stating they have not received my signature card. Letter included additional signature card to return XXXX/XXXX/XXXX - XXXX EST called Santander and spoke with customer service for 12 minutes. Asked if the have received my signature card yet. Female representative said she could not confirm and need to email another department. She should receive response in 2-3 days. Assured me she noted my account and said accounts would not be closed for this kind of issue. I asked for fax or email where I can electronically send signature card. Rep advised no such way. Only mail. XXXX/XXXX/XXXX - Mailed second signature card XXXX/XXXX/XXXX - Received email saying my statement was available online. Logged in to find account closed. General customer service phone number provided. XXXX/XXXX/XXXX - Called Satander. Spoke with XXXX, ID # XXXX, advised no way account can be reopened. Can not confirm if they have received either signature card or not. Stated that was the reason for closing. Asked for manager. Still unable to provide any resolution other than I can apply for a new account. Put in request for corporate complaint unit to respond. XXXX/XXXX/XXXX - Corporate unit called. The representative empathized with my situation and the poor handling/customer service by Santander. I have not received a return call in a week which I was told they would look into their signature reception unit for my documents. No successful resolution.

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 03/29/2017 about Mortgage (Conventional fixed mortgage) with U.S. BANCORP (IL).
Issue: Loan servicing, payments, escrow account

Complaint: My loan was signed by XXXX at XXXX. I was given an " Application & Disclosure Package '' PDF that includes " Notice Concerning Private Mortgage Insurance Initial Disclosure - Fixed Rate Mortgages '' that states I 'm eligible to have PMI removed on " The date the principal balance actually reaches 80 % of the original value of the property ''. 

This was a 30 year fixed rate conventional mortgage. I occupy the property. It 's a XXXX unit property. 

After reaching 79 % LTOV I called US Bank, my loan servicer, to start the process of removing PMI. The original phone guy I spoke to verified I was good to go and said he would send me some snail-mail about how to start the process. 

I received a letter from US Bank containing " Guidelines for Private Mortgage Insurance Cancellation ( Multi-Family and/or Investment Properties '' that says I must reach 65 % LTOV ( contradicting the 80 % in my disclosure from XXXX ). It also says I am never eligible for automatic termination of PMI ( which is also a contradiction to the disclosures sent by XXXX at XXXX- although it 's not affecting my situation ) When I called US Bank to straighten this out, after some phone tag to get to the right department, they said they do not have the documentation for my mortgage so can do nothing, but the will try and find it in their document center, which can take a week ''

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 04/29/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with WORLD ACCEPTANCE CORPORATION (GA).
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint: World Finance who I got a loan from showed up on my job to deliver a letter not XXXX but XXXX. How do I handle this

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04/22/2015 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Problems caused by my funds being low

Complaint: I just started a new job. There was a memo sent out company wide about the company going from a bi-weekly to a semi-monthly payroll schedule. This company wide memo was issued prior to my start date. Friday XXXX XXXX was the beginning of the semi-monthly pay schedule. I scheduled all my bills to be paid on XXXX XXXX when I realized my direct deposit did not hit my account I immediately contacted my employer then contacted Bank of America to inform them of what happened. The representative I spoke to assured me not to worry that she was going to notate my account so that these transactions are paid since since my direct was set to hit my account overnight. The direct deposit it my and bank of america returned all of the items and charged me XXXX overdraft fees with money to cover those items in my account.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief