milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02/13/2016 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I settled the debt and needed the balance to be XXXX on my credit report so I can gain security clearance for my employment. I paid the as debt off on XXXX/XXXX/2016 and received a letter outlining the settlement. My employer pulled my credit on XXXX/XXXX/2016 and I now show a balance past due of {$82.00}. This is the difference of the settlement and the original amount. Portfolio Recovery mislead me, provided false information to the credit agency and used deceptive practices to collect more money. In the screen shot of my credit report for this account dated XXXX/XXXX/2016, Portfolio Recovery undated my credit report with the balance and shows XX/XX/2016 as the date for the update after I made the agreed upon payment.

Company response to consumer: Closed with explanation
Consumer complaint received 03-08-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions 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: Experian and XXXX are violating my rights as a consumer by ignoring my disputes. I have been fighting these credit errors for a year now and sent in several disputes regarding a bankruptcy that is not mine and items/old accounts that have been paid but not removed nor updated. I've called and questioned there verification methods for the bankruptcy and the representatives can never give an explanation. I've spoken to reps at XXXX several times and they tell me " ok mame we'll remove the bankruptcy '' but when my report updates the following 30 days its still there. My credit score has hardly budged in months and my credit report does not even have as many delinquent accounts as other consumers I know and there scores are higher than 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 04/21/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Southwest Credit Systems, L.P. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: XXXX XXXX, 2015 I received a XXXX page document from Southwest Credit Systems, L.P. stating that a delinquent account they claim is allegedly mine in the amount of {$310.00} for an apparent XXXX XXXX XXXX cell phone bill. On XXXX XXXX, 2015 I spoke with a representative who went by the name of XXXX. I requested for XXXX to re-verify the account was in deed mine. He claimed that his firm had already validated the debt by using my address. I attempted to explain to him and disputed the debt was not mine. I also requested he cross reference my social security number, middle initial, any previous addresses and the phone number that is in question. He stated that his firm had already done so. He then suggested to transfer me to the customer care dept. Immediately after the transfer I was disconnected. I believe that at the date and time of this call that the account was disputed. After several days of not hearing back from anyone associated with Southwest Credit Systems , L.P . I sent a letter disputing the same and included any and all information required to verify this account. On XXXX XXXX, 2015 I called back to Southwest Credit Systems. I spoke to a supervisor by the name of XXXX. She confirmed to me that the firm had indeed received my letter, however the account was still confirmed as mine. I explained to XXXX this call was an attempt to resolve the matter before the 30 day period of notice ends on XXXX XXXX 2015. I explained that I would seek to remedy this matter with legal action. After attempting to request for her to verify the debt as legitimate. She claimed the debt had in fact been verified. I called back approx. ( 1 ) hour later and spoke to a XXXX in the customer care dept. After not being able to get anything resolved and talking over each other I asked to speak to a supervisor. After a brief hold XXXX returned to the call and stated, " they said to take your number and someone would call you back. I question that comment due to the fact that all incoming calls and phone numbers are identified. With no other course of action I ended the call. This company filed the collection account to all three major credit reporting agencies on or before the XXXX of XXXX. Without making any attempts to contact me to verify the account. They have stated on more than several occasions and from different representatives that the account had been verified as belonging to me. Southwest Credit Systems has also failed to submit to my request for information documented in the XXXX XXXX letter ( see attached ). In addition they have violated the FDCPA statue [ 15 USC 1692e ] section ( 2 ) ( a ) and ( b ). Southwest Credit System failed to do due diligence in investigating and confirming the account was in deed mine and only used my personal home address in their verification process.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed
Consumer complaint received 09-06-2017 about Mortgage (FHA mortgage) with M&T BANK CORPORATION (GA).
Issue: Trouble during payment process

Complaint: XXXX XXXX has " PAID '' electronically on XXXX XXXX, 2017 the amount of XXXX XXXX XXXX dollars and XXXX cents {$520.00} towards my M & T Mortgage loan ( ending in XXXX ) for the month of XXXX 2017, and I am responsible for the remaining balance of {$350.00} as this is my last homeowner assistance payment per the letter I received on XXXX XXXX, 2017. On XXXX XXXX, 2017 I called the M & T Bank General Customer Service phone number and spoke with M & T Bank employee XXXX whom stated that the payment is not there. I called back again after speaking with XXXX XXXX XXXX XXXX and I last spoke with M & T Bank employee XXXX XXXX, supervisor ( so stated ) in regards to my XXXX XXXX, 2017 mortgage payment. XXXX XXXX whom stated that works in the Mortgage Assistance Department with M & T Bank that she would need to send an email to another department that receives the Mortgage assistance payments and will note my account. XXXX XXXX XXXX  program stated that the payment was sent electronically to M & T Bank on XXXX XXXX, 2017 in the amount of {$520.00}, and The PAYMENT is THERE. I find it ludacris that with all that I spoke with at M & T Bank today, XXXX XXXX, 2017 claims they can not find the payment made by XXXX XXXX. Later I went ahead and paid the full amount of the mortgage of {$880.00} online for the month of XXXX 2017 mortgage and want the amount of {$520.00} " CREDIT '' towards XXXX 2017 mortgage payment. The last XXXX  XXXX Assistance payment should not have been returned and the employees I spoke with at M & T bank claims that the last homeowners assistance payment is not there.

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 03/16/2018 about Debt collection (I do not know) with Firstsource Advantage, LLC (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: XXXX XXXX from First Source Advantage called me at XXXX XXXX on XX/XX/2018 trying to reach someone else who has not lived here for almost 10 years. I also spoke with Supervisor XXXX XXXX. 

I do not appreciate being called and harassed based on information that is almost a decade old. I have never done business with First Source Advantage, and I am not delinquent on any debts. I have an " Excellent '' credit rating. 

Both XXXX and XXXX defended the call by saying that was the information they had in their data base. Using information that is almost a decade out of date to call and harass someone who is not delinquent in their debts is an unacceptable business practice. 

Also, my phone number is a national and state registered Do Not Call number. I have never done business with First Source Advantage. Yet they  called me anyway.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05-10-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Trident Asset Management, L.L.C. (FL).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Unknown account and unknown debt, this is a mistake listed on my credit file that I have disputed with nothing received

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/21/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with R & B Corporation of Virginia (TX).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Consumer has requested to have XXXX XXXX acct. removed or have inaccurate information updated or remove, this account should have never been reported as derogatory.

Company response to consumer: Closed with explanation
Consumer complaint received 07/22/2015 about Consumer Loan (Installment loan) with JPMORGAN CHASE & CO. (AZ).
Issue: Problems when you are unable to pay

Complaint: Around XXXX 2005 My wife and I purchased a home in XXXX, az we put $ XXXX.down..The Mortgage Holder was XXXX shorty after that we received a letter from Chase that we qualify for an equity loan.. we wanted to remodel so we went in and talked a loan officer.. XXXX XXXX XXXX personal banker XXXX XXXX she told us that we qualify for {$17000.00} and it would be attached to our home with a interest only payment..we used the funds to remodel..we had the home for about 4 years.. then the economy went bad.. I had some medical problems could not work..the house went into foreclosure I was told by XXXX banks that the {$17000.00}. ( heloc ) would be included in the foreclosure..well it was not! I Went to chase to talk to them.. they told me that it was not legally collectable..however they have the right to refer it to the collection dept..and they have been harasing me for the last 5 years ... is this legal?

Company response to consumer: Closed with explanation
Consumer complaint received 08/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with SANTANDER CONSUMER USA HOLDINGS INC. (SC).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: On XXXX XXXX, XXXX I received a noticed to collect taxes for XXXX filing year due to a form XXXX Cancellation of Debt filed by Santander Consumer USA XXXX XXXX XXXX XXXX TX XXXX. This was in reference to my XXXX XXXX XXXX that was repossessed during my time of insolvency in late XXXX. I also lost my home during this same time in foreclosure. This was a joint account between me and my late husband XXXX XXXX who XXXX XXXX XXXX XXXX XXXX. This account was defaulted on in XXXX XXXX and the vehicle was taken and in there possession since XXXX XXXX. See documents outlining delinquency dates. And IRS notices. Due to this company filing this XXXX In XXXX of XXXX the IRS is now trying to collect delinquent taxes for filing year XXXX. This vehicle was repossessed in XXXX XXXX and sold at auction in XXXX XXXX. NOT XXXX. A for XXXX is a cancellation of debt meaning that the company has forgiven the balance of the debt. If this is so why does the debt remain on all 3 credit reports. Attached is a copy of one of the reports showing the account as delinquent with the full balance. This company can not report a XXXX and still report the account as delinquent and try to collect the funds.

Company response to consumer: Closed with explanation
Consumer complaint received 11-09-2015 about Credit card () with AMERICAN EXPRESS COMPANY (NY).
Issue: Other

Complaint: I booked a XXXX vacation for my family to celebrate my daughter 's XXXX birthday. My wife and I spend several hours on the phone with XXXX travel staff asking questions on the various resorts. We requested an all inclusive resort with beach front but were sold a resort that does not have a beach. This resort was rated XXXX stars during the peak season but is down to just XXXX stars. This sale was fraudulent and totally misrepresented. I attempted to contact the CEO at XXXX but my letter was rejected. AMEX is just closing this case and walking away at this point. As my credit card company AMEX should be looking out for me and supporting my claims in this case. I request your investigation, review and oversight of this dispute as I am being given a run-a-round.

Company response to consumer: Closed with explanation
Consumer complaint received 02/26/2018 about Vehicle loan or lease (Loan) with HYUNDAI CAPITAL AMERICA (MA).
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint: Hyundai without warning is now charging {$3.00} to make a one time payment online, something that was advertised as a free feature when I took out the loan. 

This is a push for autopay so we cant pay ahead. 

Loan taken out XX/XX/XXXX, received notice on XX/XX/XXXX statement to be effective XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 03-01-2017 about Credit card () with BARCLAYS BANK DELAWARE (VA).
Issue: Closing/Cancelling account

Complaint: My credit card account was shut down with a rewards balance of {$760.00}. The points are now gone from the account and I have no access to them from the website.

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 06/27/2017 about Debt collection (Credit card debt) with SUNTRUST BANKS, INC. (GA).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint: XXXX XXXX XXXX XXXX XXXX CT XXXX, Ga XXXX [ Suntrust Bank ] [ XXXX/XXXX/XXXX ] To [ Suntrust Bank ] : Under the provisions of Public laws 95 109 and 99 361, known collectively as the Fair Debt Collections Practices Act ( FDCPA ) I formally notify you to cease all communications with me in regards to this debt, or any other debts that you allege I owe. Please be advised that if collection attempts continue after receipt of this notice, I will immediately file a complaint with the Federal Trade Commission and the Georgia Attorney Generals office. Additionally, if Im contacted again after receipt of this notice, I will pursue both criminal and civil claims against you and your company for violation of the FDCPA. Please be aware that going forward, after I have confirmed your receipt of this notice, any communications from your company may be recorded to be used as evidence for my claims against you. Also, be advised that any negative information appearing on my credit reports pertaining to this account will be handled with the full legal rights and remedies available to me with regards to current consumer protection laws. Regards, [ 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 05-10-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BARCLAYS BANK DELAWARE (CA).
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint: I made a  Barclay   XXXX  credit card payment of {$3300.00} was paid and processed o n    X/XX/2017 .  As of today the payment is not credited to my account.   I faxed them the proofs ( cancelled checks from  XXXX   )  on    XXXX   XXXX    2017.     Emailed o n   XXXX   XXXX  , 2017 for a follow-up Called on   XXXX   XXXX  , 2017, spo ke to a customer service rep (  XXXX  ), asked her for the result. She was very condescending and said " i will have to wait for the results ''. I told her that you 've taken my money for over 40 days and I like to know where it 's at? If she was more helpful and assured me that they will take care of it I would not worry. But now I am worry that my case is not being handled with some urgency to credit my account accordingly.

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 03/27/2015 about Debt collection (Medical) with Capio Partners, LLC (GA).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: This collection agency has put a debt on my credit reports. I spoke to them about this and they said they sent a collection notice to an address I have not used in almost 10 years. I have not been able to dispute this debt nor have they sent me any thing to validate this debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03-07-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Allied Interstate LLC (NC).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Calls more than 6 times a day. I answered twice and let her know I was aware of what I owe. Please stop calling and then I hung up but they continue to call ( all day long XXXX to XXXX several times ).

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 06-02-2016 about Debt collection (I do not know) with Lionstone Holdings Group (TN).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I was contacted by phone to let me know that the caller would be coming to my home on XXXX XXXX, 2016 to have me sign forms regarding collecting a debt I ( supposedly ) owed. 

When I asked the caller what was the debt? She did not tell me but referred me to a phone number to call to get such answers. She politely supplied the number, and I immediately called it. The number I called : ( XXXX ) belongs to a debt collection company LHG - Lionstone Holding Group. I spoke with a customer service representative by the name of XXXX XXXX. She verified that they were attempting to collect a debt from a XXXX XXXX at telephone XXXX. The social security last for digits did not match my social security number and the date of birth also did not match my date of birth. With this information verified, she said that the may have the wrong person, and to not worry about it. I asked for the address that they were sending the first caller to, this they would not diverge because they said it did not matter since it appears that they probably had the wrong person. 

I told her that this matter still mattered to me because I had never heard of a credit collection agency sending someone out to your home to have persons sign papers regarding a debt. The Rep replied that that part was handled in another department and she did not know about that portion of the work. I asked what was the debt, but she insisted that since the social security number and DOB did not match, she could not tell me any more about the debt. I told her I was very disturbed about how the whole issue was being handled because I was called on my phone and harassed about a debt they claim I owed and would be coming to my home on Friday XXXX XXXX ) to have me sign certain forms, yet they can not tell me what kind of debt or how much it is ... after disturbing me in my home by an harassing phone call over it ...., left me disturbed and unsatisfied with the results. I also told her that I had never heard of a collection agency being sent to your home to collect a debt or sign papers concerning the debt, and that the only people I know that come to your home are sheriffs to serve notices and warrants - and they come with guns on their hips prepared to protect themselves ; I also stated that the collection agency 's practices were disturbing to innocent people and dangerous to the people being sent out, and I would report this incident to Consumer Financial Protection Bureau both for my sake and for the workers ' sake, and that they needed to change their practices.

Company response to consumer: Closed with explanation
Consumer complaint received 02/18/2018 about Vehicle loan or lease (Lease) with ALLY FINANCIAL INC. (WA).
Issue: Problems at the end of the loan or lease
Sub-issue: Excess mileage, damage, or wear fees, or other problem after the lease is finish

Complaint: Leased a vehicle from Ally Financial. They are showing a balance of {$550.00} for excess wear on a wheel. This balance has been reported to the Credit Bureaus. Per the literature Ally sent to us regarding end of lease procedures/policies, excess wear constitutes broken, mismatched, bent or cracked wheel. 
Per the inspection report completed by Ally Financial, dated XX/XX/17, none of the above conditions are noted. We were an A paper loan for Ally and have excellent credit rating. During the course of our 4-year lease, there was never a late or missed payment. 
Again, based Ally Financials literature, the damage does not warrant a charge. Furthermore, this wheel can be purchased new for {$200.00}, not {$500.00} plus.

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 03/15/2017 about Mortgage (Conventional fixed mortgage) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Credit decision / Underwriting

Complaint: Had several mortgage loans change servicers outside of my control. The change in servicing companies is reflected in my credit reports. The problem is that these all now appear as new lines of credit, substantially lowering my average account age and therefore lowering my credit score.

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 07/30/2015 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I being denied credit because they are reporting me as deceased. I did getsick. and I have n't used my credit .but I am recovering and I have move from the pesticides of XXXX XXXX . XXXX XXXX XXXX Why should I have to give my credit & payment history to Verify who I am. The mistake is n't mine. 
Theirs questioned in reference of my past information like old addressesMy Social Security # last time I check they do n't give dead people new Social cards. I will give ( XXXX ) open account to be verified. I Do n't care why it happenI just want it corrected Thank you. XXXX XXXX /XXXX ( XXXX ) ... Attention Credit Bureau /document available / when address to accountable/ a credible person /Official. or Official assigned to verify.

Company response to consumer: Closed with explanation
Consumer complaint received 01-09-2017 about Credit reporting () with CAPITAL ONE FINANCIAL CORPORATION (FL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Capital one auto finance has been reporting my car payment late even when I 've paid on time. I 've asked them to remove the late payments and I 've just gotten a generic response back with more run around. All I want is my late payments removed once and for all.

Company response to consumer: Closed with explanation