milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04-07-2015 about Debt collection (Medical) with Credit Center, LLC (NY).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: Credit Center Inc has threatened me with legal action if a debt, that has been proven unverified by the bureaus, is not paid. It states I have 14 days to make payment or reach an agreement or the account will be forwarded to an attorney for legal action

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/24/2017 about Payday loan, title loan, or personal loan (Installment loan) with Bliksum, LLC (CA).
Issue: Charged fees or interest you didn't expect

Complaint: I borrowed about {$2500.00} from XXXX XXXX onXX/XX/XXXX. I 've made payments of {$290.00} every month startingXX/XX/XXXX. I was late with a payment a couple of times and had to pay NSF fee of {$36.00} to my banker ( XXXX XXXX ) and a penalty to XXXX XXXX of {$15.00}. I am still in process of paying this loan off at the said monthly rate. I will have to pay these people until XX/XX/XXXX in order to pay off this debt.This is loansharking at it 's most despicable level in my opinion. I may not be able to get help with this but I wanted your agency to know about this type practice which is prevalent in lower socio-economic communities. XXXX XXXX is another and there are others. Regular banks will not lend money to less affluent people but they finance these loan sharks. The poor people need help. I need help. Please do what you can for us. Thank you. My loan number is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 05-03-2016 about Credit reporting () with Credit Karma, Inc. (NY).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I had applied to XXXX different private companies for a small loan for school tution, all of which required me to add a co signer which I declined. 
XXXX companies ran a credit inquiry twice when I only applied once. 
XXXX and XXXX XXXX. 
As you can see, the dates are XXXX day apart. These inquiries are negatively affecting my credit score, which is not of my own wrong doing.

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 04-05-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: There are two credit inquires on my report that are fraudulent and do not belong on my credit report and I want them removed. 
XXXX credit inquiry XXXX credit inquiry please remove and update my score. I'm not sure why everytime my credit score goes up your company false reports and brings my score down I am XXXX and this is crippling me as I have tried endlessly to put a end to someone using my name and social.

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 04-10-2017 about Credit reporting () with EQUIFAX, INC. (AL).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: The credit bureau is reporting a bankruptcy on my report. The courts do n't verify that information. It was pulled from a third party reporting therefore it needs to be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 07/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (PA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: XXXX   XX/XX/XXXX - did not authorize   XXXX   XXXX    XX/XX/XXXX - Did not authorize   XXXX   XXXX    XX/XX/XXXX - did not authorize  XXXX   XX/XX/XXXX - did not authorize   XXXX    XX/XX/XXXX  - Did not authorize   XXXX   XXXX    XX/XX/XXXX -did not authorize   XXXX   XXXX    XX/XX/XXXX  - did not authorize  XXXX   XX/XX/XXXX  - did not authorize A dealership (   XXXX   XXXX   ) pulled my credit report without my permission. I was told they were going to try to include my income on an auto loan but because I do not have license in the state of Pennsylvania I did not want to be listed on the vehicle title. they took my information and pulled my credit report anyway. And they refused to have them, deleted. Did not return my phone calls.
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I also am aware of the glitch with   XXXX   in the  XXXX  of  XXXX  and early  XXXX  in which inquiries were deleted and then when they realized the glitch they re-added them to the reports. But without informing me within 5 days of adding them back. This is a violation of my rights as well. So if I was affected by that as well I would like it to be resolved as well.

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 05-05-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with AMERICAN EXPRESS COMPANY (CA).
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint: I have an  XXXX   XXXX  card which is supposed to pay 5 % on supermarket purchases after an yearly limit of {$6500.00} at 1 % is met. My reward year resets every  XXXX . I met the {$6500.00} in  XXXX  and was receiving 5 % in  XXXX . Suddenly in  XXXX , I did not receive 5 % for another  XXXX  at supermarkets ( instead only received 1 % ). The reward year again reset in  XXXX . So, I was forced to spend {$13000.00} in a single reward year.     I was not paid the difference inspite of several hour long calls in which the representatives were not able to explain why I did not get it, but they still would not credit the difference and kept raising the issue at different departments. I am finally giving up after explaining this to several agents over several hours. I appreciate if you could look into this and credit me the cashback I rightfully earned.     Account  Ending  in  XXXX . Name on account  XXXX   XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 10/31/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I have gotten my free credit report and for the last many years I have an address that does not belong to me and it is :XXXX XXXX XXXX XXXX XXXX, FL XXXX .... I have never lived there and I requested this removed from my credit report twice before to no avail and I need it off my records. 

My current employer is not on my records which is : XXXX XXXX XXXX XXXX XXXX XXXX and began employment XX/XX/XXXX and currently employed. 

I currently have a {$5000.00} personal loan with XXXX XXXX XXXX XXXX XXXX and paying it timely but the one that I had for {$2000.00} before this one was paid in full and satisfied and it does n't reflect that. 

I also had a satisfied closed account with XXXX back in XX/XX/XXXX I also have never in my life had any mortgage anywhere in the united states and I have only financed one car in my life and only in Florida I have seen multiple car loans and mortgages in different states. I have never lived in any other state.

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 10/28/2015 about Prepaid card (Other special purpose card) with Empowerment Ventures, LLC (NY).
Issue: Unauthorized transactions/trans. issues

Complaint: i made a payment 4 days before my car payment due date and rushcard has not sent my funds. I called to see whats going on and they stated no one can make online payment. I have more then enough funds and i asked to talk to a manager i was put on hold for XXXX min.

Company response to consumer: Closed with monetary relief
Consumer complaint received 01/15/2016 about Consumer Loan (Vehicle loan) with ALLY FINANCIAL INC. (AR).
Issue: Taking out the loan or lease

Complaint: ally financial gave me a 18 % interest rate ofnmy auto loan and i also put down XXXX to get financed I believe everything was based off of ethnicity.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have several inquiries on my credit report with both XXXX and Transunion that i did not authorize. I have sent letters to them and faxes disputing these inquiries and was told to contact the companies. When I called the companies they told me that it was up to the credit bureause to remove the unauthorized inquiries. I then contacted the credit bureaus again and then was sent a letter from both of them stating the same thing which is ( Please note your specific consent to the release of your credit information is not necessary for a permissable purpose to exist. ) These are hard inquiries which lower my credit score. And if I dont have to give my permission then why are inquiries even a contribution to any part of a credit score. I did not authorize any of the inquiries listed below.

XXXX : XXXX XXXX  XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX & XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX.

Transunion : XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX  XX/XX/XXXX, XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX, XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX I did not authorize  these inquiries with any of the above listed companies on or around these dates. 
Thank You for your time.

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 03/19/2017 about Mortgage (Conventional fixed mortgage) with JPMORGAN CHASE & CO. (FL).
Issue: Settlement process and costs

Complaint: I received an offer for refinance from Chase Mortgage in late XX/XX/2016 and on XX/XX/2016 Chase sent over a representative to execute a closing on their behalf. My wife and I signed all the documents and we thought we had just saved some money on interest and finally out of our modification loan. However, last Friday I received a package from Chase informing me that they would give me the opportunity to catch up on my loan? I called their customer service department and explained my situation and no one seemed to have a clue what was going on. After 3 hours on the phone with them, one of the service reps was able to figure out that my new loan was never processed and that i was still on my original loan with no changes made??? This is why i was late because one of their specialists told me to not pay my XX/XX/XXXX payment as i would not have a payment due until XX/XX/XXXX. I then reached out to the Title company and was told by XXXX ( XXXX ) that the problem stemmed from the appearance that i had two secondary liens when in fact i only had one but this stopped the process. Problem was no one at Chase nor the Title company informed me about anything and now I have incurred late fees and surely negative hits to my credit because of this not to mention the thousands lost by not being able to secure my new loan. I have been trying to reach the Mortgage Broker ( XXXX XXXX @ XXXX ) for several weeks and Chase keeps ignoring me. for what reason i do not know? I would appreciate some kind of restitution at minimum for my late fees and credit damage and to be honest the treatment from Chase is less than fair or caring considering i 've been paying them for more than 20 years. I think it 's embarrassing that a bank leave it 's customers high and dry no contact with such a serious mistake they have made by not letting me know the circumstances. It is extremely embarrassing for me and my wife to have to call in and pay back payments i should not owe and made felt like a nobody for non payment. This is ridiculous! what happened to Fiduciary duties the bank is supposed to have? I do n't even know what to do as the Bank I trusted wo n't even call me back?

Company response to consumer: Closed with monetary relief
Consumer complaint received 05-12-2017 about Debt collection (Medical debt) with Midwest Recovery Systems (MO).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: On  XXXX   XXXX ,   XXXX   I was alerted that I have a collection notification on my credit report.     For the amount of {$690.00} from Collection Agency : MIDWEST RECOVERY SYSTEMS, This is the first i 've ever heard of this. I 've never not paid a single debt I had. I 've googled MIDWEST RECOVERY SYSTEMS and this seems to be a fraud / scam collection company placing unwarranted reports on multiple peoples credit report.. I 've never received a phone call, an email, a letter. NOTHING and this magically appears on my equifax report.     This is 100 % identity theft or some sort of scam as I do not own this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 02/21/2017 about Mortgage (Reverse mortgage) with Fay Servicing, LLC (CA).
Issue: Loan servicing, payments, escrow account

Complaint: Repeatedly charged {$99.00} fees without explanation, despite sending on-time payments. Wrote to company, but did not receive response.

Company response to consumer: Closed with explanation
Consumer complaint received 05-11-2016 about Credit reporting () with Experian Information Solutions Inc. (KS).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: I was told I could receive a copy of my credit report from a Experian XXXX after a company used them for my decision. I mailed Experian XXXX exactly per address given and it was returned " Return to Sender '' Unable to Forward '' Then I tried the XXXXXXXXXXXX they also gave me and it says no such web address. See attached for letters and return envelope etc Thanks

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 07-02-2016 about Bank account or service (Checking account) with REGIONS FINANCIAL CORPORATION (FL).
Issue: Problems caused by my funds being low

Complaint: Regions has twice not honored Bill Pay checks with a specific delivery date. This has dropped my credit score and now shows up as a late payment on my record although the arrangement was made up to two weeks in advance. In one month I was charged {$39.00} for XXXX XXXX ( normally a monthly fee of {$9.00} ) and was told I need to go through a formal dispute to correct it. Disputes require information to be faxed ( who has time for that? ), and take ten days to be reviewed. If you are lucky at the end of 16 days you 'll get a letter stating what happened. Why should I have to go through this? 

There have been multiple times where bank errors have caused overdrafts and the bank has refused to refund the fees, even going as far as to charge me {$35.00} for EVERY single transaction that posts after the account is over drafted. Once I swiped my card for items on a Saturday that did not clear on my account until the next Wednesday. Once the transactions cleared my account was {$4.00} short. I was charged {$140.00} in overdraft fees. Normal banks process transactions within 3 days of purchase. Regions processes them whenever they feel like it. 

I have even had a banker call me repeatedly at work the day I received a tax refund to offer me all types of credit cards, after generously telling me how much money was in my account. This is very invasive and I am upset that someone monitors my account to that extent. The list goes on and on. This is hands down the worse bank I have ever been a customer at.

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 05-09-2016 about Consumer Loan (Installment loan) with BB&T CORPORATION (NC).
Issue: Taking out the loan or lease

Complaint: I am a costomer of BB & T and have been for XXXX years.I own a home and auto and owe nobody anything except a hospitol bill.For the last decade i have been helping my mom and dad with their health problems.I put in for a loan at BB & T for amount of XXXX.They turned me down saying i didn`t have enough credit.Given their logic nobody comming out of high school or collage will ever be able to do banking with them.When i ask for an address for the board members to send them a letter complaining about this, they keep stonewalling me and will not let me complain directly.It seems that they are trying to hide incompadance from upper management.The paperwork i recieved from my loan applacation is very sloppy.Next i will contact the XXXX on banking.If BB & T doesn`t wish to take care of taxpayers then taxpayers need not loan money to this type of a bank.

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 Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NJ).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: Equifax shows medical bills unpaid that should not effect my  FICO s core Equifax dropped my score over  XXXX  points due to these outstanding medical bills that insurance failed to pay.   Additionally equifax should not effect fico score based on new law passed No other reporting agency shows these medical bills I have asked several times to have removed by equifax and they continue to ignore my request!

Company response to consumer: Closed with explanation
Consumer complaint received 09/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit repair services) with Experian Information Solutions Inc. (IN).
Issue: Unexpected or other fees

Complaint: I 've been trying to cancel my {$1.00} trial of the XXXX XXXX since XXXX XXXX. Due to XXXX XXXX data breach, Experian has mentioned that hold times will be long. I called them once on XXXX XXXX and was on hold for over an hour. I never spoke to a live person. I then called a total of 2 times on Friday XXXX XXXX and never reached a person. 

Since I was unable to speak with anyone to cancel my trial, as my last resort, I sent an email to XXXXXXXXXXXX Friday XXXX XXXX. I asked for them to cancel my account and not to charge any monthly fees. 

Today, XXXX XXXX, I was charged {$24.00} from " Experian XXXX, '' on my debit card ending in XXXX. They have failed to cancel my trial and as a result, I 've been automatically charged for the monthly service fee. 

This issue could have been easily avoided if there was a feature to cancel my trial on the XXXX XXXX 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 explanation
Consumer complaint received 02-09-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (WA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: On XX/XX/2018, XXXX listed a collection account from XXXX XXXX XXXX from XX/XX/2017. However, XXXX will not allow me to complete a direct dispute report online in order to begin the problem resolution process. When completing the online form, an error message arrives claiming the disputer can contact a live operator ; however, no one receives or answers the phone call. The credit reporting agency, which also works with the collection agency, presents this roadblock as a means of discouragement to prevent anyone challenging the collection agency on its unfair debt collection practices. To add insult to injury, XXXX added the collection account to its files information after the Equifax data breach of XX/XX/2017 had compromised my personal information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12-02-2015 about Debt collection (I do not know) with ERC (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: The dispute is with XXXX XXXX XXXX XXXX. I cancelled service with them in 2013 ; the account was paid in full at the time of cancellation. The XXXX technician came to my home, disconnected service and retrieved the equipment. Since then I have been harassed by them with collection calls and have had my non-existent account sent to XXXX collection agencies. I have copies of the communication which I will attach. In a nutshell, I am still being pursued by various collection agencies for this debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09-03-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with National Credit Systems,Inc. (TX).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I was sent a letter dated XXXX/XXXX/16 stating I could settle my debt for XXXX % of the balance due if paid by XXXX/XXXX/16. On XXXX/XXXX/16 I submitted a payment for the amount requested. Two weeks later the collection agency, instead of removing the debt from my credit report, updated my credit report to show I now only owed them half of the amount.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 11/13/2017 about Student loan (Federal student loan servicing) with GREAT LAKES (MA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Loan company is reporting late payments on my account that was transferred to another lender. I have contacted the loan company and they have refused to remove the incorrect information. The loan that is reporting late payments is for a loan obtained in XXXX and XXXX or so which was for the amount of {$2500.00} initially, which was sold to another loan company in XXXX. The amount of {$13000.00} is for loans that I obtained in XXXX from XXXX XXXX which have never been late and were not opened XXXX as reported.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation