milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08/26/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with WAKEFIELD & ASSOCIATES, INC. (CT).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: My old apartment complex has been claiming for years that I did n't give them enough proper notice of vacating the apartment I lived in at the time. Well I responded in writing to the request of lease renewal but they claim that they either never received it or received it after the due date ( I forget which one because it has been a while ) I was being Separated from the XXXX semi-voluntarily and semi-not so much at the time and did n't have proper time to respond to these ridiculous claims. Though I do remember receiving an invoice a while after I got settled in Connecticut and I saw that they were even charging me for things they claimed they were n't going to ( removing left behind furniture, etc ). 

Bottom line : I know I 'm in the right and I flat out REFUSE to pay for a months worth of rent PLUS interest that 's surely collected by now for an apartment I was n't living in. I just hope this is enough to get the deed taken care of because this illegal action needs to be removed from my Credit Score and Report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/17/2017 about Debt collection (Payday loan debt) with National Credit Adjusters, LLC (CA).
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint: XXXX / XXXX / 17  called my work and harassed employee who answered after I just spoke to them 3 days ago, he is harassing because I would not commit to any type of secured payment arrangement and threatened me for not doing so saying they will come after me. I am still waiting on validity of debt to review and confirm specifics and have not received anything.

Company response to consumer: Closed with explanation
Consumer complaint received 07/31/2015 about Debt collection (Credit card) with DISCOVER BANK (NC).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: This is a follow up to the complaint that I filed on Monday XX/XX/XXXX. It seems that Discover XXXX , XXXX , XXXX , XXXX , XXXX XXXX XXXX , XXXX. has filed a Judgement against me as a form of spite, retaliation, and retribution as a result of the complaint that I filed with CFPB a few months ago against them for excessive calling on my home phone and cell phones. I feel my rights have been violated ... my Freedom of Speech for one. It seems like when the citizens or consumers speaks out, the business lashes out ...??? Why filed a Judgement against me when Discover has known that XXXX XXXX XXXX has been communicating with them since the summer of 2014??? 
A few days ago, an XXXX XXXX from Executive Office of Customer Advocacy within Discover sent me an email stating that XXXX would be investigating my concerns from the previous complaint that I filed on XX/XX/XXXX and would send me a detailed response upon completion of the investigation. This tells me that Discover is unsure of the actions and business practices it has done in this matter ...??? How often does a business calibrate itself ... when something is out of tolerance ...??? Well, I 'm not going to " tolerant '' the actions of Discover and XXXX, XXXX ... 
I have written a letter to the President of the United States of America at the White House. I have explained to him in writing about this situation and included a copy of the Judgement against me by Discover, filed by XXXX XXXX ... I want the President to know what 's going on in the real world and the business world. I have requested help from anyone in his government on this matter ... I 'm waiting for his reply now. Also, I 'm writing to any state and government official that will hear me on this matter. I want the whole world to know how Discover and XXXX XXXX have treated me over these last several months. 
I 'm requesting that the CFPB, the Federal Trade Commission, the FBI, and members of Congress investigate Discover/ XXXX , XXXX , XXXX , XXXX , XXXX, XXXX XXXX , XXXX for their actions and practices. Number 1, I would like to know who authorize the Judgement against me, Number 2, why? 
I should not be bullied, harassed, intimidated, and threatened because I want to get my debts consolidated, paid down, and paid off. I 've had to endure this for almost a year now! I put " All '' my trust in Christ and HE will fight my battles for me!!!

Company response to consumer: Closed with explanation
Consumer complaint received 04/27/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with SYNCHRONY FINANCIAL (VA).
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint: I received an offer to change my Banana Republic store card into a Visa Banana Republic card ( use everywhere ). I accepted the offer but soon noticed that when I went online to pay my bill that the   balance would say {$0.00} and no minimum payment would be showing. I would call and pay the bill express frustration that I am unable to pay online. I have been told repeatedly that the issue is fixed but it has never been fixed. I have been charged  XXXX  {$35.00} late fees by the company for making payment late due to this system issue. I request all fees to be waived and for the system issue to be fixed. I called and spoke to  XXXX  employee number she provided was  XXXX .  XXXX  was not helpful and quite rude. I explained why I was requesting the fees to be waived but she kept reiterating that the payments have been late even after I explained it several times. After I advised that she did not understand and was not listening she began to speak loudly and I disconnected after getting her information and advised that I would submit a complaint. I can not be the only person this is happening to. I was told nothing would change when I switched cards. I have attached a screen shot of me trying to look at my account today so you all can see it shows {$0.00}. I can not force the system to take the payment.

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 03/25/2017 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (PA).
Issue: Closing/Cancelling account

Complaint: i am here as a student from XXXX, applied for a credit card to bank of america, i got approved credit card for XXXX , then later my wife came from XXXX, we had a XXXX baby here, my car was stolen in XXXX filed police file, and faced extreme financial hardship due to this again i have sent my wife to XXXX with baby. that time i was unemployed. but i got job now am a XXXX in XXXX. my credit card was closed bank of america is about to collect money through third party. then i started paying minimum balance is around 700 $ and i told them i will make clear this payment once i have monthly pay salary as check. here the problem is bank of america and XXXX making me face more troubles here in USA.i am not getting any credit cards from any banks due to these issues.every one have financial hardship in their life, we believe in XXXX, we trust in XXXX, but here people are not believing human beings.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/17/2017 about Debt collection (Credit card debt) with NAVY FEDERAL CREDIT UNION (MD).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: I paid NFCU {$6300.00} to settle an account back in XX/XX/XXXX during their unethical debt collections I received a redressed check for another account that was settled back in XX/XX/XXXX for {$5600.00} and I received a redressed for that one, however, I did n't receive a redressed check for the {$6300.00} that settled a credit card debt with them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07-09-2015 about Credit reporting () with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I applied for a refinance and XXXX XXXX said I needed to have an item cleared up on my report. The item was a credit card with XXXX XXXX with a XXXX '' designation, meaning designated user. The report showed it was included in an XX/XX/XXXX bankruptcy and the info was verified on XX/XX/XXXX. I looked at a copy of my bankruptcy filing of XX/XX/XXXX and it showed XXXX XXXX 'multiple accts ' but none of them were as 'designated user '. That account belonged to XXXX XXXX and I was a designated user XXXX for a car rental, then removed. I contacted the Cr Bureaus XX/XX/XXXX and requested this info be removed from my credit report. I received a response stating they had verified it. I then requested they have XXXX XXXX provide the complete info for the XXXX '' card including who designated me as a user. I never heard back and the info remains on my account.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05-01-2017 about Debt collection (Other debt) with NCC Business Services, Inc. (MA).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: I was served an eviction  notice   XXXX   XXXX   and hired landlord tenant lawyer to handle my case which was dismis sed for lack of burden of proof with the stipulation I had to go thru a third party for anything concerning my apartment at  XXXX   XXXX   XXXX   XXXX .  XXXX ,  XXXX ,  XXXX . I locked myself out, had to have management let me in, eviction went thru because of this and I was evicted   XX/XX/XXXX .   Constable did not follow the law, moving company did not follow the public safety law, I am not legally responsible for attorney fees or court fees according to tenants rights laws. I have called every agency known to man to rectify this and hire a lawyer. All the  Bar Assoc. recommendations w ould not return my calls. Because of the abuse of tenants rights I am barred from getting housing. I am homeless, my property is in my storage but smashed and dumped by movers who demanded CASH to put it in my unit. Even though there are laws to protect me, there is  no one to le gally help me. As of this moment I am speaking to an attorney who said I should sue. Great where can I get a lawyer?

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 10-03-2016 about Consumer Loan (Installment loan) with MicroBilt / PRBC (formerly CL Verify) (CA).
Issue: Shopping for a loan or lease

Complaint: Microbilt pulled my credit report on XX/XX/2016 without my permission. They are reporting to XXXX that a credit inquiry occurred which I did not authorize.

Company response to consumer: Closed with explanation
Consumer complaint received 10/20/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (CT).
Issue: Getting a credit card
Sub-issue: Application denied

Complaint: I received my card in the mail today and when I called to activate it they told me the card was fraudulent and that I had to reapply. They said they called the owner of the account on the XXXX of XXXX and he said he never applied for a card. They did n't talk to me so I do n't know who they talked to but they are basically telling me I have to reapply which means I get another inquiry on my report and will hurt my score. They also put me on hold for over an hour then hung up. They can easily contact me again or investigate but they simply want me to reapply again which is damaging to my financial health.

Company response to consumer: Closed with explanation
Consumer complaint received 06-01-2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Account opening, closing, or management

Complaint: Ten years ago my father died. I responded to all of the never ending paperwork requests from BOA and submitted everything they ask to receive in order to remove him from my mother 's bank accounts. This week they send condolences on his passing. They want me to start submitting everything all over again, because they never removed his name from the account. I told them that they did. All of the statements now only have my mother 's name on them. They still want the documents. They want everything resubmitted because ten years ago they were not centralized Their inefficiencies are not my problem. They should adjust their records, which they refuse to do unless I go back and find the same documents that they already have from ten years ago. I have to say I was so upset I finally hung up on them.

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 07/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: My husband and I are in the process of refinancing our home, we wanted to take advantage of the lower fixed rates before they rose. Much to our surprise our credit scores, the  XXXX  indicator that is supposed to help us to secure the best rate in the market failed us. We have NEVER been late, we have NEVER had a BK, we have NEVER had a charge off, yet our middle lowest score is what the banks use to determine our RATE at the bank and it was a  XXXX , my low was a  XXXX  from Transunion and I am totally embarrassed by this. My sister who has a  XXXX  off, a repossession and many late payments has the same score as I do. Then I did some looking and the credit reporting agencies have changed their model which primarily takes credit utilization as their primary source of scoring in their model, however it is missing  XXXX  vital component to ensure that it is a fair assessment and that is my income, it only has  XXXX  piece of the pie, then they have added a " potential of bankruptcy '' indicator, how is this possible, I would dispute its accuracy. This is straight up unfair and deceptive practices. I am now forced to refinance my house at 5 %, when my REAL credit, 24 years of never late, no charge offs, no delinquencies,  XXXX   XXXX  ) mortgages over $  XXXX  paid in full, never late, no bankruptcies and I am a  XXXX  for the purpose of the rate I deserve. No matter what you say to the banks, look at my history, there is nothing that justifies the rate you are quoting me, and their response is that they have to go by the score, regardless of your history to protect themselves from regulatory scrutiny.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/13/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CREDIT ACCEPTANCE CORPORATION (MI).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I received a auto loan from Credit Acceptance in XX/XX/XXXX. In XX/XX/XXXX or XX/XX/XXXX Credit Acceptance sent for my car to be repossessed. I was forced to pay over {$300.00} to get my car back. Upon investigation of their claim of a past due amount, Credit Acceptance admitted that the REPOSSESSION was an error, and my account would be credited for the repossession/ storage fees. I paid the loan off in XX/XX/XXXX. The lender claimed I still owed money in XX/XX/XXXX, so I requested a detailed statement of account payments. The information provided was not clear and only confused matters. So I added all payment amounts posted by Credit Acceptance and it showed I was all paid up but they still refuse to release my title to car. 
In XX/XX/XXXX, Credit Acceptance sent a repossession company to my house to extort me for a payment or they was going have them take the car. They also reported to the major credit reporting agencies false information, claiming account is closed even though there is a clear dispute with regards to amounts left on record as owed. Credit Acceptance still have not released the title to my car and they continue to have negative remarks on my credit reports preventing me from getting future loans and better rates or services.

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 11/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: Report Number : XXXX Online Credit Report from Experian for : XXXX XXXX Report date : XXXX XXXX, XXXX This address has pertained to a business : XXXX XXXX XXXX XXXX CA XXXX. 

GENERAL BUILDING XXXX : XXXX XXXX XXXX XXXX XXXX, CA, XXXX. 
False and if so, someone else has opened this business. 
Also all delinquent accounts pertaining to my credit is from hospitals or medical providers that did absolutely nothing to help me with my condition? Might be a civil matter do n't know if you can do anything about that.

Company response to consumer: Closed with explanation
Consumer complaint received 11/16/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BANK OF AMERICA, NATIONAL ASSOCIATION (MA).
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint: I paid off a credi card within the allowed time. I was then charged interest after the card was paid off. I called the the Bank which refused to remove the interest change even thought the account had been paid off by the date their were charding interest.

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 02/23/2018 about Debt collection (Federal student loan debt) with Navient Solutions, LLC. (AZ).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint: I have filed BK it got discharged XX/XX/2017 I contacted Navient to let them know that it was discharged my attorney contact them too and they keep sending collections letters and keep reporting on my credit

Company response to consumer: Closed with explanation
Consumer complaint received 03/17/2016 about Mortgage (FHA mortgage) with Skyline Financial Corp. (TX).
Issue: Application, originator, mortgage broker

Complaint: I am a XXXX in XXXX, Texas and this complaint is on behalf of myself and my client as well. 
My client was applying for an FHA mortgage with a company called Skyline Loans. The mortgage broker was XXXX XXXX, XXXX # XXXX. The problems were many, but the notable few were as follows : 1. Very shortly after requesting a preapproval from the lender, he mentioned to my client that he recommends the agent ( myself ) to pitch in a non-specific amount into closing costs for a reason both I and my client are unaware of. He then asked me for this amount -- an unknown amount. This was of course an odd request of the client. 
2. I then emailed XXXX to ask why and if this was necessary and a typical practice of his company. This email was met with a general lack of respect and professionalism. I have the emails to prove this. 
3. After this email conversation with XXXX, and after the house was well into contract, XXXX then offered alternative representation to my client with agents he knew that would gladly pitch in some still unknown amount to his closing costs. This of course was not well met with the client, and of course, myself. 
4. I never once mentioned any problems I was having with XXXX until after the deal was closed to my client. However, Shortly before closing date, my client called me late at night and complained to me for quite some time about the general lack of professionalism he received from his mortgage broker ( XXXX ) and that the promises he was assured of in the beginning and even throughout the process have not been kept, and the structure of the deal had even worsened significantly. The client felt there were blatant misrepresentations and told me he " has the emails and text messages to prove it, '' which he very much does. 
5. He once again told the client that the agent would need to pitch in parts of the commission towards closing costs to secure the deal. This is just days before closing. I called XXXX the next morning to alert him of the client soon the make a decision about switching lenders and BEHOLD, suddenly there was a forgotten large amount of lender concessions to apply to the deal that had been conveniently forgotten about. 

The deal closed, but the obvious self-interest at the expense of the client and general lack of professionalism are enough to form this compliant in hopes to alert any member of the public about this broker 's business practices.

Company response to consumer: Closed with explanation
Consumer complaint received 02/23/2017 about Prepaid card (Gift or merchant card) with SYNCHRONY FINANCIAL (WA).
Issue: Managing, opening, or closing account

Complaint: Throughout the course of the last 4 years I have received prepaid Visa Debit Cards as a bonus for purchases I have made. Because I live in XXXX and was unable to use these cards they expired. The total amounts are approximately {$300.00}. I tried contacting the issuer of the cards and was advised that they are unable to extend the expiry and that I was basically out of luck. I am respectfully requesting your assistance. 

Feel free to contact me so I can provide you with the necessary information. 

XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: on my student loans 90 day late is reporting, but to my knowledge these 90 day lates are inaccurate. hence attached letter, i was recovering from   XXXX   XXXX   XXXX   accident which happened to me in  XXXX  i questioned the creditor to remove the delinquencies but, they explained that i had to be a veteran in order to be qualified for the removal of the delinquencies. i have attached the letter that i have also submitted to the creditor and to all   XXXX   bureaus, please go through my letter carefully and you will see that i have been in the worst situation and i do deserve to be given a second chance.   i would greatly appreciate for your cooperation in this matter.   gratefully yours  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