milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12-06-2016 about Consumer Loan (Vehicle loan) with WHITNEY BANK - NEW ORLEANS MAIN BRANCH (LA).
Issue: Taking out the loan or lease

Complaint: On XX/XX/2016 we went in to look at new vehicles. When we found the one we wanted, we explained that if they could not find financing within the XXXX bank hit on our credit and within the correct finance charges we were willing to pay, that we would return the following day with our own financing once our bank opened the following morning. When we went into the financing office, they notified us they hit our credit score 3 times. I was furious! We decided to just go ahead with it. When we were about to sign off on the car, we noticed the interest rate was XXXX points higher than we had agreed to pay. We thanked them for their time, and were about to walk out when they had to adjust the selling price to get us approved by the bank at the lower interest rate. The next day I checked my credit report and noticed they had XXXX hard hits on my credit. I contacted the dealership and they said there was nothing they could do that sometimes their computer just keeps searching until it finds a bank to finance it. None of this is what we originally agreed upon. I had financing I could 've received from my bank the following day during bank hours but with it being the end of the month, I think the dealership was trying to hurry to close the deal and searched anywhere they could that late at night to get the deal done. I need these hard inquiries taken off of my record, because I never authorized them to go through XXXX of the XXXX banks, I only authorized them to go through XXXX bank and hit my credit once

Company response to consumer: Closed with explanation
Consumer complaint received 11-07-2016 about Debt collection (Payday loan) with Midwest Recovery Systems (CT).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: Got an alert from credit monitoring for a new collection account Midwest Recovery Systems for a supposed payday loan account that I never took out for {$760.00}. I received no debt validation in the mail and do not know who this is or what it 's for.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01-11-2017 about Credit reporting () with EQUIFAX, INC. (NM).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Equifax is ignoring my requests to investigate and remove accounts from my credit report that do not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 01-06-2018 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (NJ).
Issue: Closing an account
Sub-issue: Fees charged for closing account

Complaint: XXXX XXXX i opened an account with BANK OF AMERICAN after many times they asked me to open account with them, using their sales techniques without explaining every detail that involves having an account with them. I closed the account by the end of the same year because i did n't longer need it, FEW months later i got a XXXX CENTS letter FEE to which i instantly went to the branch and took care of it. It has been over 4 years and they still have my account opened WITHOUT MY CONSENT. 

I contacted them for an explanation on why my account remains open but most important WHY they SOLD information to a credit collector company to which i had NOT KNOWLEDGE or was INFORM. XXXX XXXX XXXX should not be allow to keep accounts open without informing their customers. It 's extremely sad that even after i went to the branch in XXXX to closed my account, they still have n't do so.

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 02-12-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with SYNCHRONY FINANCIAL (FL).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: I recently went on-line to get my free yearly credit report and was startled to see old information still being listed on my report even after contacting the various credit bureaus as far back as XX/XX/XXXX. Specifically 2 revolving credit company 's I had a long relationship with : # 1 ) XXXX opened inXX/XX/XXXX ( had an issue with an on-line bill pay, that was corrected and they sent me an official letter of explanation ( that also should have notified the credit bureau 's ) the amount in question is {$36.00} and to this day is still showing up adversely. 
# 2 ) Synchrony-JC Penney's- Opened in XX/XX/XXXX this account was shared by my then ex-wife ( whom we were divorced in XX/XX/XXXX ) and when the divorce took place in XX/XX/XXXX she immediately ran the credit account to the max, however, I negotiated with the account representatives on a payment plan to pay it off. Even though it was done without my consent/unauthorized. I should not have negative reporting still occurring on this file when it was closed in XXXX. 
# 3 ) I recently did a VA cash out on my mortgage with XXXX XXXX and subsequently was approved by XXXX, for a new Mtg. There are 3 Hard credit inquiries all related to this transaction 2 in XX/XX/XXXX and 3 in XX/XX/XXXX, all negatively impacting my credit. This also, happened when we were looking to purchase a car at a " Tent '' sale and about 10-15 harh pulls were made to our credit all trying to get approved financing. The consumer should not be penalized for these types of actitvities when they're all related as I understand the 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 05/22/2017 about Payday loan, title loan, or personal loan (Personal line of credit) with HUNTINGTON NATIONAL BANK, THE (OH).
Issue: Getting a line of credit

Complaint: From  XXXX   XXXX    XXXX  , I filled out the required information for a checking account over draft protection line of credit. First rejection letter from Huntington said that they could not verify my address. So I went into the branch to verify my address filled out another application. Second rejection letter from Huntington said my application was a duplicate inquiry ... .. therefore it also was rejected. I have called Huntington and wr ong two le tters and NO RESPONSE! I can only assume I am being discriminated against/based on where I live???????

Company response to consumer: Closed with explanation
Consumer complaint received 02-09-2018 about Student loan (Private student loan) with Navient Solutions, LLC. (TN).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint: In XX/XX/2008 I took out a student loan with XXXX XXXX. I defaulted on the loan. Now the contract has been breached because it has changed companies. Navient has the contract and they are using another collection company to get me to pay.The company is XXXX XXXX XXXX XXXX. The amount owed is $ XXXX account is over XXXX years and needs to be deleted from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 07/17/2017 about Debt collection (Other debt) with ProCollect, Inc (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Debt has been in dispute, has not heard back from company. Debt has been deleted off of  XXXX  of my credit reports. Want them deleted off other  XXXX . They have not provided any information or proof that I owe this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 08/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with General Information Services, Inc (FL).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: I am trying to get a job at XXXX and they recently pulled a Motor Vehicle Report on me which I have approved of. The report is stating my licence was revoked/suspended. Neither one is true. I XXXX XXXX to XXXX from XXXX back in 2014. My vehicle was in transit by a boat through the military. When I got to XXXX I was told I had to drop XXXX insurance and get XXXX plates and insurance. I remained with XXXX XXXX XXXX the whole time. I am not sure why this is being reported. It is very inaccurate information and this inaccurate information could cause me to not get a job I am currently seeking.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 08/27/2015 about Credit reporting () with Experian Information Solutions Inc. (AZ).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: THIS COMPLAINT REPLACES Case number : XXXX : It appears that the credit bureaus are reporting inaccurate statuses for XXXX & XXXX XXXX XXXX tradelines. Never delinquent in 2008. Original creditor refused to remove this information.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05-12-2017 about Debt collection (I do not know) with HSBC NORTH AMERICA HOLDINGS INC. (MA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Account Name HSBC BANK NEVADA  N.A.  RC Account #  XXXX  I do not and never had any legal or lawful security obligation with this business. I will record a perfected security interest in this business for 3x the stated balance plus damages if they do not immediately remove any information related to my PERSON on the PERSON 's credit report with the credit bureaus. I logged in and saw this information.     I did receive a bogus demand to pay a debt from this entity in th e US  Mail. I did respond via Certified mail with my Notice and Demand To Validate Debt Claim in accordance wit h 15 USC 1692. They d id not respond.     They need to remove this items immediately or I will record a lien and file civil charges.

Company response to consumer: Closed with explanation
Consumer complaint received 10-10-2016 about Credit card () with SYNCHRONY FINANCIAL (OH).
Issue: Billing disputes

Complaint: On XXXX XXXX, XXXX, I purchased a XXXX for {$6400.00}. I chose to take advantage of their financing option through Synchrony bank which was presented to me as a 0 % plan provided it was paid in full by XXXX XXXX. After XXXX XXXX, a remaining balance would cause interest to kick in retroactively. No problem - having the funds to pay for the bed was never an issue nor was I ever late on a payment. That 's because I auto-enrolled in monthly payments - increasing the minimum payments by at least 25 % to ensure the bed would be fully paid by XXXX XXXX. The math worked when the auto enrollment was set-up and I paid little attention to the account thereafter, other than to note withdrawals were being made from my bank account. In XXXX XXXX, I attempted to log on to my Synchrony account online and found I was locked out ( I have not been able to access my online account since ). I checked my records again and since withdrawals were still happening as planned, I did n't overthink it - I believed my final payment was to be made in XXXX, the balance would be XXXX and then the account would be closed and no interest would be due. Unfortunately, I received an email on XXXX XXXX indicating I now owed the retroactive interest of nearly {$2000.00}. I called immediately, was treated very rudely and told I still owed a couple XXXX dollars on the principal, and that was that. She said had I called 24 hours earlier, there might have been a different outcome ( interesting timing of that email ). After getting myself together, unsure of how the math worked when I set up the auto debits but conveniently did not at the end of the payment period, I called again on XXXX XXXX. I was told that if I could come up with some extenuating circumstance story, they would wave the interest. I did n't have such a story and do not believe I need one given that the payments were set up to uphold my end of the agreement. That day, I paid the balance they said was due on the principal at that point ( {$420.00} ) and closed the account. There is a balance now of {$1900.00} ( all retro interest ) which I contest based on having paid the principal in full in XXXX XXXX as agreed.

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 07/13/2017 about Debt collection (I do not know) with MEMA CORP (CO).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: Writ of continuing garnishment delivered to place of employment. Date of issue XX/XX/XXXX. Original judgment entered on XX/XX/XXXX. Been at same job and same residence for several years. Have absolutely no knowledge of the debt nor any knowledge of the court order. Was never served nor was I allowed to dispute the validity of the debt. Received absolutely nothing in writing pertaining to this. I would really like to know who I am paying? Judgement creditor XXXX XXXX XXXX XXXX XXXX XXXX, co XXXX Plaintiff XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, co. XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 04-12-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Enhanced Recovery Company submitted a collection on all XXXX of my credit reports stating I owe {$670.00} from a XXXX Cable/Cellular bill. I knew I did n't owe XXXX anything and called them to verify and they verified I was all clear of any debt. They were not aware of sending anything to ERC as a collection on my account. I have called ERC and they could n't find anything on me with what information I was giving them. Which proves its not me that the debt belongs to. I have disputed it with all credit bureaus and have not heard of anything. I have since applied for credit and have been denied due to Severe delinquency and debt collection on my credit reports. I have always had good payment history never late on my bills. This is affecting my credit score and is becoming a big nucense. I have read other customer complaints dealing with this same issue and it looks like it could be a scam. I am not getting anywhere with the credit bureaus and need this removed from my credit reports. Please help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01-12-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: XXXX XXXX respond to the complaint, and only resolved 1/2 of the problem. BOTH late notes should have been deleted ( not just the one that they deleted ) ... the late reports, and fees were all part of the same issue ( hacked checking account and documents sent to XXXX on 7 occasions ). This ongoing issue with XXXX is hurting our credit score and the ability to get a mortgage. Below is the email that I sent to XXXX on 4 occasions, going back to XX/XX/XXXX. Hello XXXX, Once again thank you for sending the summary / account activity report on our account. Please note the following as to our account. We have been and continue to make two payments per month. Each payment is for {$1200.00}. We have been making these two payments per month for over 2 years. Per your predecessor, XXXX XXXX XXXX, your company did not process the two payments in a timely manner as they did not know how to handle these types of payments, ( even thought I noted on EVERY payment the amount to principal and to the payment ). Hence these payments were shown as partial at times and at times caused the account to show as late. Because of this improper handling of our payments, late fees and notes were added to our account. The returned checks / fees were due to my checking account being hacked and our account frozen until the fraud was being corrected. Again this information was communicated to XXXX during several phone calls. In closing the following corrections should happen to our account. 1. All late fess should be waived. I am ok with the late fees being credited to our account as additional principal payments. 2. Our account should not show ANY late payments. Thank you in advance for correcting these errors on our account. Please feel free to contact me with any questions. Best regards, XXXX XXXX XXXX XXXXXXXXXXXX HELP!!!!! 


Above is the information from my past complaint ... .This is STILL NOT FIXED ... there should be XXXX late payments showing ... .This is crazy as they ( XXXX ) have not fixed all of the issues. ....

Company response to consumer: Closed with explanation
Consumer complaint received 10-02-2017 about Debt collection (Other debt) with Diversified Consultants, Inc. (GA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I recently received an alert from XXXX that Diversified Consultants, located at XXXX XXXX XXXX XXXX, # XXXX XXXX, FL XXXX ( XXXX ) XXXX, placed a collections on my credit report. The collections is from XXXX for XXXX dollars. I have spoken with XXXX representatives with XXXX and am told I have a zero ( XXXX ) balance. I have tried multiple times to contact Diversified Consultants to no avail. My XXXX XXXX had dropped due to this erroneous information and am seeking legal action against Diversified Consultants and XXXX for allowing this to be put on my credit with no just bases or regard for my personal welfare and credit worthiness. 

XXXX XXXX, GA

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/15/2017 about Student loan (Federal student loan servicing) with Van Ru Credit Corporation (FL).
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint: This actually is in reference to my previous complaint XXXX but apparently you do n't have a way to send additional comments on a complaint. I had n't received a status since last XXXX. Once I submitted to you the documentation that I had already rehabilitated my loan around 2003, XXXX apparently sold my loan & stopped garnishment, I 'm guessing because they were caught in a lie? However, they sold the loan to Van Ru Corporation & now they are threatening garnishment. I have paid twice the principal on this loan, and would now be eligible for forgiveness since I work for a public agency if XXXX had originally negotiated an affordable payment with me in 2003 as they were required to by 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 non-monetary relief
Consumer complaint received 07/27/2017 about Debt collection (Credit card debt) with Global Resolution Group, LLC (LA).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint: My husband owes a credit card debt for {$450.00}. The account was opened with his permission by me, his wife. The balance is in collections, and the collection agency is threatening to file charges for fraud since my husband is incarcerated. I offered to send them written authorization from my husband, but they declined. This card was opened to purchase belongings for my husband since he wws coming home soon. I set up payment arrangements because of the threat. I made one payment, but was unable to pay more because my income is not enough to pay them among my other household bills. I should n't have to live on fear of this company because of this. I offered to send them permission from my husband, but they declined so they denied my right to prove it.

Company response to consumer: Closed with explanation
Consumer complaint received 06/30/2017 about Credit card or prepaid card (Store credit card) with SYNCHRONY FINANCIAL (FL).
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint: I have a Rooms to Go credit card with Synchrony Bank with a monthly amount {$84.00} due on the XXXX of each month. I scheduled the Bill Pay through my XXXX XXXX account to be delivered by the XXXX of each month for {$84.00}. <P/>XXXX XXXX shows that the payment has been received each month before the XXXX for the full amount - not just the payment but the full amount is credited to my checking account for {$84.00}. <P/>Synchrony claims they receive the payments 1 day later. This has happened a couple of times and happened again in XX/XX/XXXX. According to XXXX XXXX, the check cleared on XXXX XXXX, 2017 but Synchrony posted it my Synchrony account on XX/XX/XXXX, thus triggering a finance charge and late fees.

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 09-07-2017 about Mortgage (Conventional home mortgage) with Fay Servicing, LLC (NC).
Issue: Struggling to pay mortgage

Complaint: The lender has failed to respond to our QWR and Notice of error request sent on XX/XX/2017 and are proceeding to sale set for XX/XX/2017 - the lender is in violation of regulation X-12 USC 2605 ( e ) ( 1 ) and the clients right to counsel. 
We request time to review the information being request once received.

Company response to consumer: Closed with explanation
Consumer complaint received 04/27/2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (NY).
Issue: Delinquent account

Complaint: Capital One continues to pursue garnishment on my pay for an account that I believe is outside of the statute of limitations. I recently received notice on XXXX/XXXX/15 service sate of XXXX/XXXX/15 giving me about 9 days to submit. I feel as though they are illegally attempting to collect am outdated debt.

Company response to consumer: Closed with explanation