milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02-08-2018 about Checking or savings account (Checking account) with ALLY FINANCIAL INC. (FL).
Issue: Closing an account
Sub-issue: Fees charged for closing account

Complaint: Closed 2012 - still reporting ... ... Delete acct. Acct in good standing

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 09-11-2017 about Payday loan, title loan, or personal loan (Installment loan) with Upstart Holdings, Inc. (CT).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I paid the late fee and regular payment for XXXX XXXX on XXXX XXXX, XXXX. I paid the entire amount outstanding for the month. The company reported me as being late because of their mistake of miscalculating the amount owed by {$0.00}. Yes, I wrote XXXX cents. This was not even my error, and over XXXX cents, they reported my payment more than 30 days late when it was n't.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 02/20/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Ive sent three letters requesting the removing of XXXX XXXX XXXX inquiry. 

Ive told them this account was fraudulent. They removed the credit card as well as the fraud address and incorrect spelling of my name to open this account. 

Yet when I ask to remove the inquiry they claim I authorized it and will be on my account for two years. If they did their job and called XXXX XXXX XXXX they would know this account was reported as fraud.

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 01/24/2017 about Student loan (Non-federal student loan) with CITIZENS FINANCIAL GROUP, INC. (NC).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: I have both federal and private student loans. My federal student loans are under a payment agreement, however, the private student loan lenders will not work with me. All of my private student loans came out of deferment in XXXX of 2016 or within a month or two of that time period. I gave XXXX in XXXX 2016 and then had a 3 month unpaid XXXX leave. Now that I am back at work I am struggling to pay for child care and get back on my feet. It seems at this point the student loans will have to go into default because I do not have the money to pay the lenders. My complaint is that if the lenders would help I could and would be willing to pay. Also, for my loan with Citizens One I owe more in interest then the beginning balance of the loan. I originally borrowed {$8600.00} and now owe {$16000.00}. I have student loans with XXXX XXXX, XXXX, and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 09/23/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Holloway Credit Solutions (TN).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I did not receive a written or verbal notice giving me the opportunity to dispute or pay the debt. I was made aware of the debt when my credit report was pulled recently for a home purchase.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06-02-2015 about Mortgage (Other mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Loan modification,collection,foreclosure

Complaint: I was XXXX on XX/XX/XXXX. I was unable to make my mortgage payments as I had no income while I was living in XXXX. Countrywide lending put in for forclosure and BOA ended up with the loan. BOA reported to XXXX in XX/XX/XXXX that my mortgage was forclosed on. Now BOA is saying that they never forclosed on my loan and they are harrassing me after I sought credit help to fix my credit with XXXX. BOA changed their paperwork to say that it was never forclosed on in XX/XX/XXXX and I have the XXXX report that I printed out to prove it says forclosed owed {$0.00}. BOA is so very dishonest they only changed the status of the loan after XXXX contacted them!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with FIRSTBANK (CO).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Firstbank-sest market closed my acct. over a deposit error I made by accidentally using the wrong check book. They say I owe them XXXX} but I only owe them XXXX}. I would like this off of my chex systems report, after I pay them the XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 03/16/2017 about Debt collection (I do not know) with HSBC NORTH AMERICA HOLDINGS INC. (OH).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Received 3 phone calls from ( XXXX ) XXXX. I called to find out why they keep calling me. They ask my name, ask to verify my address and ask to verify the last XXXX of my social. Then they tell me I owe them {$12000.00} for an auto loan in the late XX/XX/1990 that they purchased the debt for. I tell them I never made an auto purchase in the late XX/XX/1990 and that this is fraud. They tell me they will close out the account and I do not owe them and thank me for my time. I told the lady I would be reporting them for fraud. So she starts to argue with me and then hangs up.

Company response to consumer: Closed with explanation
Consumer complaint received 05-06-2016 about Payday loan () with Risecredit, LLC (OH).
Issue: Charged fees or interest I didn't expect

Complaint: XXXX payments every month not XXXX! Impossible to pay off with rise credit. Have made numerous attempts to contact them regarding settlement and have been ignored. Payments were always processed a day before the due date. The loan Sharks should be outlawed. They claim interest rate goes down- not true at all

Company response to consumer: Closed with explanation
Consumer complaint received 09-11-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Second Round Limited Partnership (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Second XXXX is attempting to collect and sue over an account that was paid in full by XXXX insurance provided by XXXX XXXX in 2012. This debt is false. I am being harassed over the phone with multiple phone calls back to back and they have come to my home at XXXX at night threatening my spouse

Company response to consumer: Closed with explanation
Consumer complaint received 04-04-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with TRANSWORLD SYSTEMS INC (KS).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: There was some wrong billing statement generated from XXXX for the phone which I returned within 7 days. I was told that the XXXX account balance was XXXX at XXXX but XXXX generated statement for next XXXX months which I solved with XXXX in XXXX. I called with the debit collection agency in XXXX for zero balance which they verified over phone.But then the collection agency has sent false statement to the credit reporting agency in XXXX with some invalid amount

Company response to consumer: Closed with explanation
Consumer complaint received 10/25/2016 about Credit reporting () with Experian Information Solutions Inc. (KY).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I am writing to dispute the following information in my file. I am requesting that the Late Payment be deleted to correct the information. I have never been late on my account. 
Sincerely, I have been a loyal client of XXXX. I have had no problems with the service until a late payment was reported to me report wrongly, in XXXX, due to a banking error. My credit report shows a 30-day late payment in XXXX 2015. However, I was not late. I have enclosed copies of my statements. Per XXXX policy accounts ca n't be reported late until 60 days. My account was not late. I was given wrong information from to make a payment of {$48.00} in XXXX to bring account current. That was done. Please correct this as soon as possible. Thank you,

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 10/14/2016 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have disputed several times items that do not belong to me, items that are past the 7 year statute and many names listed many names which do not belong to me. I need some help

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 09/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with ID Analytics, Inc. (MS).
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint: I paid my car loan off on time and paid off other bills on my credit report and my credit score drop down very low from XXXX to XXXX when you pay bills off on time how they take my score down .now I can not get a car loan because my sore is very low .I was told my score will go up it went down.I talked to the XXXX credit XXXX, XXXX, XXXX. I talk to them aroundXX/XX/XXXX-XX/XX/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 09/13/2016 about Mortgage (Other mortgage) with 21ST MORTGAGE CORP. (LA).
Issue: Loan servicing, payments, escrow account

Complaint: I filed an insurance claim for damage to my home and the check was made to myself and my mortgage company. I have been in touch with 21st century mortgage several times in reference to getting the check dispersed. We finally settled on an agreement that if I caught up on my mortgage they would surrender the check to me so I can make repairs. I have caught up on my mortgage, but now the company is saying that I have to purchase all the materials needed to make the repairs and pay for the repairs then submit receipts before they will give the check to me. I can not afford to do this. I need the check to purchase the materials and pay for the repairs. It is extremely urgent that I get these funds to repair my roof. A company representative told me that once I caught up on my mortgage that they would send me the check, but now they are saying no. I need to make the repairs first. It is very disappointing and frustrating that the company is holding my insurance check as they have never paid a payment on my house insurance, I have always paid it myself! In addition, I have several other issues with this company. My mortgage originated XX/XX/1995 with XXXX and then it was sold to 21st mortgage. I have had this mortgage for twenty-one years. And the original amount financed was {$51000.00}. I have had this mortgage for 21 years. The annual percentage rate was 8.75 % and the monthly payment was {$420.00} We have paid over $ XXXX towards our home and the company is refusing to send me the payoff amount. When I asked for the payoff the representative said she would send it, along with the contract. However, I have yet to receive either. I would like an explanation of why I have n't received the pay off or contract. As well as, an explanation of why I have to pay so much on this mortgage. I have paid almost three times what my home is worth. I was young and trying to get started with my family and I was completely ripped off by this company. I did n't know any better, but this was definitely a case of predatory lending and I hope that it is not to late right this wrong. I have a child in college, XXXX XXXX child living at home, and XXXX child that is finished with school and I am tired of struggling. I would like to be able to help my family, but 21st mortgage is trying to bleed me dry financially.

Company response to consumer: Closed with explanation
Consumer complaint received 04-03-2015 about Credit card () with UNITED SERVICES AUTOMOBILE ASSOCIATION (WV).
Issue: Unsolicited issuance of credit card

Complaint: I applied over the phone for a credit card that was advertised on USAA website as a 1.5 % cash rewards credit card. I think it was a new product at that time, so when I called to apply the lady had trouble finding the specific XXXX I wanted, but after a few minutes on hold she came back and said that she had found the 1.5 % cash back World MasterCard that I wanted to apply for. We went through the application process over the phone and at XXXX other times throughout the conversation I verified that this was the 1.5 % cash rewards card. I was put on hold again XXXX of these times and the worker came back to the phone and said yes, this is the 1.5 % cash rewards program card. After a few days I got the card in the mail and it was just the plain USAA World MasterCard, not the 1.5 % cash rewards card. I already had a 1 % rewards card from them. So after several unsuccessful phone calls to their executive resolution people, I sent a consumer dispute form to them detailing that I wanted the card removed from my credit history and deleted, not cancelled. ( I was told over the phone multiple times that the only thing I could do was cancel the card, but I will not do this because it lowers your credit score from my understanding to have an account opened then closed within a month period. ) They contacted me and said they could not do what I wanted by removing the inquiry from my credit history because I did authorize application and that I would have to cancel the card and re-apply. I authorized application to the 1.5 % and not the card they gave me, so I believe it is their responsibility to remove the application from my credit history.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/26/2016 about Credit reporting () with Experian Information Solutions Inc. (AZ).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: Experian, In 2011 we filed BK and ever sence we have had very good credit but experian keeps filing on record what was filed in 2011 you can pull my report and see what they are doing, if this is the way that credit companys are allowed to operate than we do n't need federal laws concerning BK Heres a example of there report, Serious Delinquency and Public record or collection filed, proportion of balance to high credit on bank revoling or all revoling accoumts, number of accounts with delinquency too many inquires in last 12 months, note in the last 12 months I have made only XXXX requests and other requests were just made by companys for there info, the credit beaures have a obligation to assist people not ignoring what is sent to them they shoud be questing items when filed or advise people what is being sent, when BK is filed that should clear all back records on file and after 7 years record should be clean they are ruining a person credit by what they are doing. 
XXXX XXXXXXXXXXXX

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 Debt collection (I do not know) with AllianceOne Recievables Management (NY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I am submitting a XXXX complaint on Alliance One Receivables because they has already been a complete disaster. They are continuing to report XXXX collections on my credit report that do not belong to me. I put in a complaint and got a response from XXXX XXXX with what is suppose to be a debt validation letter with Pictures of tags of vehicles that do not belong to me no am i the owner of the vehicles. In the letter XXXX XXXX responded stating they were going to remove the accounts from my credit file. I contacted today XXXX XXXX who gave me XXXX different AUD Control numbersXXXXI spoke to XXXX and gave the control numbers to them in which they sent it to their quality department and they researched the AUD numbers and was advised that Alliance one put the wrong SUB Code with the AUD on XXXX system. This is a complete back and forth that is going on and they are not trying to help me get this deleted from my file even after XXXX XXXX said they were going to get this removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/20/2017 about Debt collection (Auto debt) with CREDIT ACCEPTANCE CORPORATION (MD).
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint: On   XX/XX/XXXX   at  XXXX  a tow truck driver and another individual went to a work site stating he was repossessing a  XXXX    XXXX   XXXX   in the presence of third parties for Credit Acceptance Corporation  .   Credit Acceptance Corp  was contacted and begin interrogating me, and request I make a payment immediately towards an account fraudulently produced by  XXXX   XXXX   XXXX  in the amount of {$13000.00} on   XX/XX/XXXX   in which it has severely damaged my credit. Joint account owner filed a fraud complaint with his bank and Credit Acceptance Corporation referencing unauthorized withdrawals  made two  weeks following a sale that was null and void with no response from  C  redit Acceptance Corp.  Sales and delivery date was  XX/XX/XXXX  ; joint account holder was not present my daughter was. I 've been trying to get the creditor to investigate the matter for resolution since  XX/XX/XXXX . Joint account holder claim no liability in the error and abandoned all responsibilities. Complaint was sent to MD Attorney Gene ral office pertaini ng to GAP insurance that was not approved by me for purchase through   XXXX   XXXX   company ; monies refunded from insurance   XXXX     XXXX   XXXX   was not paid as agreed through mediation. joint account holder of loan has no interest in the title for   XXXX    XXXX   XXXX .  XXXX   XXXX   XXXX   XXXX  stated on  XX/XX/XXXX  joint account holder mva record was flagged and license revoked and my income will not qualify for financing alone.     Credit Acceptance Corporation business practices and collection by and between their affilated dealerships is hostile and deceptive. I am represented by legal counsel in another matter left unresolved by Credit Acceptance Corporation involving another vehicle sold to me under fraudulent terms and conditions regardless of the retail sales contract they provide to the dealerships that use their creative financing methods in Maryland. Dealership and credit acceptance corporation knows that i am a real estate professional.

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 04/24/2015 about Debt collection (Payday loan) with CHECK INTO CASH INC. (CO).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I received a message from the collection agency stating they were called XXXX XXXX Law firm saying that my name and phone number was involved in an invention and that my returned call was required to show that I was compliant. I called them bck and spoke with a man that sacked me if I was XXXX XXXX. I explained that I was. He than advised me he was trying to collect a debt for Check Into Cash. I tried to explain to him that I was willing to pay XXXX a month to pay off the debt he explained that he could n't take that amount that he could do XXXX with XXXX payments over 3 mos. I explained I could n't pay that I only make XXXX hour plus tips. He than advised me that he could n't do that and that he would forward my conversation to XXXX County court that I was unwilling to work on settling the debt at the very end of the call he advised he was recording the call and hung up. That same evening XXXX XXXX XXXX 2015. I received another call from the same number listened to the voicemail and it was just music. That next morning XXXX XXXX 2015 I received another call around XXXX, Spoke with a lady I explained to her that if she was recording the call that she needed to advise me at the beginning of the call not at the end as the man I spoke with the day before did n't do. She stated " I SEE YOUR a waste of time and I will forward this.to our process server and see you in court '', and hung up. I called them back and.spoke with another man advised him that I did n't appreciate the way they were representing XXXX XXXX themselves as a collection agency and that I was try I.g to resolve the debt at this point he advised me he was XXXX garnish my wages for the debt. the man would not let me.speak kept interrupting stating that he could n't hear what I was saying. The called ended. I do n't know if they are an attorney or a collection agency they disnt give me any information such as collection address or any other identification.

Company response to consumer: Closed with monetary relief
Consumer complaint received 11/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
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: My 12 months promotional monitoring service with Equifax expired on XX/XX/XXXX and I did not receive an email notification informing me of the change and new charges. When I signed up for the promotional service, I requested to be notified before switching to the regular service ; being doubled charged. When my credit card displayed the charge of {$16.00}, I immediately called Equifax and informed them that I did not authorize the charge and did not receive a notification of the change. The first Representative told me they no longer send out email communication. I then requested a Supervisor who informed that the email was sent on XX/XX/XXXX. I told him I checked both SPAM and my emails, the notification did not come into my box. I even offered to send him details ; a search query showing all my received emails from Equifax in my inbox and SPAM. Although, I am currently disputing the unauthorized charge with my credit card company, I would also like to file an official complaint against Equifax for their lack of customer service - submitting an unauthorized charge and unwillingness to correct the problem by reversing the {$16.00} fee. I was told by the Supervisor ( XXXX # XXXX ), I could speak with the email department and file a complaint, but he could not reverse the fee. The charge is a monthly service fee for service I will not be using. Although, I closed the account on XX/XX/XXXX and have no interest in continuing the monitoring service, they are forced to keep it open until next month to justify not refunding the monthly fee - account shows it expires on XX/XX/XXXX.

Company response to consumer: Closed with explanation