milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11/13/2015 about Debt collection (Auto) with APPLE RECOVERY, LLC (AZ).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint: On XXXX XXXX, 2015 I was contacted at work at XXXX from a debt collector rep named XXXX from Apple Recovery LLC. He did ask to verify my information before proceeding forward. I then told him about a minute and a half into the conversation to not call me at work again and during my work hours. Also to send me a validation of debt to my home address and I will contact him when I receive it. I verified my address. 
On XXXX XXXX 2015 around XXXX I was contacted once again from XXXX XXXX Apple Recovery LLC . I told him to not call again and I already told him before not to call at work. He stated he did not recall that conversation and wanted to speak with me so I can verify my home address. 
I contacted Apple Recovery LLC, explained my complaint and spoke to a supervisor. He stated they do not have my business phone number on file. 
I have a recorded phone call conversation when I told the rep to not call back.

Company response to consumer: Closed with explanation
Consumer complaint received 06/18/2015 about Debt collection (Non-federal student loan) with Collection Technology Incorporated (VA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Even though I paid off my school loan in full in with the original creditor, Collection Technology Inc. still trying to collect even after I 've notified them by mail on XXXX XXXX, 2015 that it was paid off. They have now unlawfully seized my joint tax return totaling {$750.00}. They also refused to validate my loan when I notified them of payment, in violation of FTC 809, Validation of Debts.

Company response to consumer: Closed with explanation
Consumer complaint received 06/28/2017 about Checking or savings account (Checking account) with BBVA COMPASS FINANCIAL CORPORATION ().
Issue: Closing an account
Sub-issue: Company closed your account

Complaint: I opened an account with Sim ple ( BBVA Compass ) bank  several months ago. I have kept my account in good standing, but once I notified them I had moved overseas, they said they would have to close my account within a month.   XXXX  Despite being  a U.S. citizen, and still being paid in USD, the y still refuse to agree to keep my account open. When I asked for an actual explanation, all they could really come up with is " our Terms of Use permit us to close accounts at our discretion ''.   XXXX  I have included screenshots of my conversation with a support person at Simple.

Company response to consumer: Closed with explanation
Consumer complaint received 04/16/2016 about Consumer Loan (Installment loan) with Big Picture Loans, LLC (CA).
Issue: Managing the loan or lease

Complaint: I received an installment loan from a company and was preapproved through a letter from this company, which claims to be tribal and in the approval letter claimed that I was one of only a few to be approved for a loan from this company. I then went to the website and applied for a XXXX loan which I was approved for and in the initial repayment schedule showed that I will be repaying XXXX which is reasonable for a XXXX loan. After the loan was completed, I received a call from one of their representatives to talk over what the loan entails. The call lasted roughly XXXX minutes which included a recording I was made to listen to for about 2 of those minutes, afterwards the person came back on the line and proceeded to read a fixed statement in the most slow, monotone and non enthusiastic way possible, seemed like a way for me to tune out what exactly was said in order to cover up mal business practice. Once I received the money which was deposited the next business day, I tried to open the loan agreement online and my browser returned an, " unable to view documents '' page. I went back to the original website and checked to see how the loans were repaid and upon looking I found that the payment structure of such a loan was so outlandish that it made my stomach turn, the original XXXX, which on " your account '' page shows XXXX, but the structure will force the consumer to make a payment of XXXX four times and then a fifth time of XXXX before making any dent to the original XXXX loan and that the total XXXX would be repaid over the course of 24 months. with an interest rate of over 800 % roughly on every repayment. which over the course of XXXX months repayment would be close to XXXX. I was not made aware anywhere in the initial mail, any emails or even in the websites application process that this would take XXXX months to repay wit an out of this world interest rate. I have searched online and not to my surprise I found others who have had similar issues.

Company response to consumer: Closed with explanation
Consumer complaint received 09-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: I have disputed a bankruptcy case with XXXX & Transunion which they came back saying the information is verified. Advised my bankruptcy is being listed as chapter XXXX when it should be a chapter XXXX they stated it came back verified. I wrote the office of the clerk they advised me that they do not report bankruptcy. case information to credit reporting agency. Per section 609 ( a ) ( 1 ) they are required by law to verify through physical verification of the judgement. Public record information was never validated. I ask them to delete the judgement due the inaccurate reporting.

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 10-12-2017 about Mortgage (FHA mortgage) with LoanCare, LLC (NY).
Issue: Trouble during payment process

Complaint: Loancare first gave me false information about cancelling PMI when I reached 80 % LTV and five years of payments in XX/XX/XXXX. It took them 2 months of additional time to give me appropriate information. I then paid down the LTV to 78 % immediately and the company tried to apply the payment months in advance rather than against principal. They also informed me PMI would end automatically when I reached 78 %. When I followed up they just denied the request without providing any additional criteria. My original appraisal was $ XXXX and I started payments XXXX/XXXX/XXXX and I reached $ XXXX inXX/XX/XXXX. I have made all payments timely. I meet all requirements and the company is simply lying to me on the phone and sending denial letters at this point.

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 12/19/2016 about Consumer Loan (Vehicle loan) with SANTANDER CONSUMER USA HOLDINGS INC. (GA).
Issue: Managing the loan or lease

Complaint: I have no knowledge of the said debt and would like it removed as its reporting to the credit bureau as an open account and is negatively affecting me.

Company response to consumer: Closed with explanation
Consumer complaint received 05-02-2017 about Debt collection (Other debt) with Amsher Collection Services, Inc. (GA).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: NOTICED ITEMS APPEARED ON MY CREDIT REPORT

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 01-12-2018 about Checking or savings account (Checking account) with WEBSTER BANK, NATIONAL ASSOCIATION (CT).
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint: XXXX XXXX three money transfer from XXXX in small amounts at XXXX XXXX  I had XXXX left in the acoount. I log in the next day and they were rearranged to great 3 overdrafts at XXXX a piece highway robbery. I did call and they will not rebate any money from Webster bank

Company response to consumer: Closed with explanation
Consumer complaint received 10/27/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I checked XXXX around XXXX XXXX as I prefer to stay on top of my reports. And then again on XXXX XXXX to find that I have over XXXX hard inquiries. I was not notified or did I give my authorization for over XXXX of them. I only authorized XXXX. My signature is no where on these authorizations. I called and spoke to numerous representatives who just assume to hang up on you or tell you repeatedly that they can not help with hard inquires and they also tell them me that no one was affecting by their glitch. Even with proof in hand they absolutely refuse to connect you with a supervisor or anyone in an American offices to handlebars matter per your request after XXXX + calls I gave up. None of the reviewers remotely helpful or even knowledgeable some knew and would say more or less sucks to be you and some XXXX even quiet belligerent and knew if the issue but told you too bad

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 06-11-2015 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: There is a Dismissed Chapter XXXX bankruptcy equifax refuses to remove after 7 years. There is also a judgement they refuse to remove even though the judgement was never served to me and the full name is n't on the judgement. With the judgement they have reporting on my credit report with the amount of the judgement different from the credit report. I 've tried numerous of time dealing with these XXXX issues and equifax refuses to remove the errors.

Company response to consumer: Closed with explanation
Consumer complaint received 07-10-2015 about Mortgage (FHA mortgage) with JPMORGAN CHASE & CO. (WA).
Issue: Credit decision / Underwriting

Complaint: I had gotten a loan in XXXX, pd mort. Then our Mort. went up so deleted pmnt of {$400.00} to {$410.00}. They did n't send out XXXX pmnts XXXX or XXXX. In XXXX, they took both the {$400.00} and the {$410.00}! My bank manager helped me delete the XXXX. pmnt until Chase put $ $ back in acct. I did n't know I had to restart pmnts and no pmnt went out for XXXX. Now I am behind on Mort by 1 month and they r threatening us with foreclosure when we already have sent the pmnt agreed upon which was {$50.00} extra/mo. We sent {$460.00} in XXXX and XXXX. We r working to get this taken care of. We r not in good health as it is and this is causing more health probs from stress. I was getting calls from XXXX to XXXX at night, XXXX times a day. I think that is stopping but now sending pre-forclosure papers. This is utterly ridiculous!

Company response to consumer: Closed with explanation
Consumer complaint received 05-03-2016 about Credit card () with CITIBANK, N.A. (OH).
Issue: Closing/Cancelling account

Complaint: We paid it off in XX/XX/XXXX through another bank. They keep saying they did n't get the proof! Our bank and ourselves sent info. Received letter from them, again, saying they are going to redebit our account and consider it out 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 monetary relief
Consumer complaint received 10-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with HEARTLAND PAYMENT SYSTEMS INC (OH).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I applied at the university of XXXX and decided that with schedule and time constraints I would n't be able to finish the semester. I had a balance on my account. They reported it as a loan. I have never had a loan nor have I ever signed loan documentation with this establishment. They went as far as to fictitiously set up a payment amount that I have been missing and place that I 'm my credit report. Is this legal? I called and spoke with XXXX XXXX and she said that this is just their billing practice and she would not remove it from my credit report. I said but this is a lie, I do not have a loan with you ''. She then spoke with her supervisor XXXX XXXX and she said the same thing. Even though you do n't have a loan with us we report it like this to the credit bureau 's and the payment amount is 10 % of what you owe us, even though you did n't agree to this this is our practice. I was then referred to their billing company Heartland, I paid the balance in full. I just want the inaccurate information removed from my credit report and hopefully their billing practice changed. This should be illegal for them to report in such a manner.

Company response to consumer: Closed with explanation
Consumer complaint received 02/29/2016 about Debt collection (I do not know) with Ad Astra Recovery Services Inc (MO).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: i got a copy of credit report, i see ad astra recovery service put a collection on my credit report, i sent debt validation letter XX/XX/2016, its been past 30 days, i never proof of the account, i want it removed from my credit file

Company response to consumer: Closed with explanation
Consumer complaint received 11/22/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with SYNCHRONY FINANCIAL (FL).
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint: Contacted representatives of the company via telephone and emails several times in XX/XX/XXXXand XX/XX/XXXX because of the financial hardship I am experiencing from Hurricane Irma. However, they continue to plague me with calls, jeopardizing my employment for an overdue payment and would not provide with an answer to my request for a payment deferment on my minimum payment due toXX/XX/XXXX on my credit card accounts.

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 11-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with UNITED SERVICES AUTOMOBILE ASSOCIATION (IN).
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: This is the fourth complaint against my bank on a XXXX XXXX mortgage which payments started being made XXXX XXXX. This is my fourth complaint against XXXX XXXXn failing to report all of my mortgage payments that I have made to them. In which, I have copies of all cashed checks, payments being made on my XXXX XXXX XXXXoan. Once again, I have gotten no resolution regarding errors that need to be fixed by my mortgage loan holder, XXXX. Each time I am directed to someone in their home office, I am told they are only going by the file that is sent to them. A bull's-eye report, in which, they believe the information being submitted to the credit bureaus is correct. As you can see, from XXXX XXXX latest facts and findings. XXXX, once again, is not reporting my payments being made as I have since XXXX XXXX. I have been brushed off, not taken seriously and continuing to not see my payments, ALL payments that have been made on my XXXX XXXX loan submitted to the appropriate credit bureaus. Each time, I call XXXX they tell me what they see on their end is all payments being submitted to the credit bureaus, even during the forbearance plan, in a timely manner. However, I have made over several calls to all three credit bureaus. In which, as you can see, XXXX is not reporting nor showing all of my payments that have been made on my XXXX XXXX loan. I will continue filing complaints, even going in another legal direction, until this issue is resolved.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02-06-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Diversified Consultants, Inc. (CA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: On XX/XX/2017 I canceled my XXXX account due to multiple inaccurate charges reappearing on my statement. I have contacted their company several times to correct the bill for overage charges dating back to XX/XX/2017.The final balance was {$500.00}. I have spoken with a variety of XXXX representatives, escalation department members, as well as supervisors within the XXXX customer care team. Notations were placed on my account about the errors. I also received what they called " interaction IDs '' that prove my calls, complaints, and " solutions '' in regards to my account, they are as followed : XXXX, XXXX, and XXXX. The account was paid, but somehow was sent into collections when it should have never been sold. XXXX had no right to sell my account!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/26/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Convergent Resources, Inc. (IA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I received a letter from what I assume is a debt collector trying to collect on a XXXX account that has a negative balance, personally I ca n't even understand how a XXXX account could have a negative balance, but more importantly I do n't have a XXXX account and I want this collection to cease and it better not appear on my credit report. I am as well submitting this complaint to the XXXX Attorney General 's Office. I have attached a copy of the letter that was sent to me.

Company response to consumer: Closed with explanation
Consumer complaint received 02/25/2018 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 did not authorize XXXX XXXX Services on XXXX XXXX, 2017 to run my credit. And I constantly asked them to remove inquiry on my report to no prevail.

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 02-03-2018 about Debt collection (Credit card debt) with PORTFOLIO RECOVERY ASSOCIATES INC (PA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: On XX/XX/2013 I received a letter from Portfolio Recovery Associates stating that I owe {$400.00}. Also on that same letter was a note giving me a chance for a settlement to clear off my debt. As I contacted the debt collection office some time later and was told that my debt was reduced to XXXX. I agreed to the amount and proceeded to pay. As the debt was paid off on XX/XX/2013, a confirmation number was given to me with an additional {$9.00} added on because the debt was paid over phone using a debt card. The representative declare that the payment went though and I was good to go. A confirmation letter was never sent to me. The company since then has not taken my name off the collection list for debt and has been repeatedly calling informing me that there is no record of me paying and even refuse to look up my confirmation number as proof that I paid. That debt is impacting my credit score and even as of now conflicting with my employer.

Company response to consumer: Closed with explanation
Consumer complaint received 06/30/2016 about Bank account or service (Other bank product/service) with SYNCHRONY FINANCIAL (CA).
Issue: Account opening, closing, or management

Complaint: Initially in XXXX XXXX i was notified of XXXX fraud applications submitted through SYN financial for Walmart and Lowes which resulted in XXXX inquiries being placed on my credit report. I received help to initiate a fraud claim with the creditor and was informed the applications had been declined and this info would be forwarded to all XXXX bureaus to have removed from my credit file. We allowed the 90 day time frame to do so and received no help or communication from Synchrony and in XXXX of XXXX we called to get an update on why they were still reporting on my credit file ; I was informed that no claim for fraud was ever submitted and the process would have to be resubmitted. Informed again by rep from Synchrony, once fraud claim initiated, the info would be fwd to the XXXX bureaus to have removed ; I began to work with an investigator from XXXX who helped me to also began disputing this info with XXXX and they informed us they could not remove the inquiries due to the creditor having to issue a claim to have removed. They stated until we received either confirmation in a letter to send over via fax or the creditor submitted dispute to remove because of fraud that the inquiries would stay as is. On XXXX/XXXX/XXXX we attempted to get another update on the claim that was submitted for fraud with SYN financial and was informed for a 3rd time the claim was never initiated and would have to be sent over again. No logical explanation was given for why the claim has n't gone through, if I have called to report twice and why also no letter can be sent out to confirm that i have been a victim and the applications have been rejected due to fraud. It has been almost a year and nothing has been done from Synchrony Financial or XXXX to assist me with getting my identity restored and I am left to figure this all out. The creditor is never helpful or can give any informative info about all the issues I have had and even after requesting to speak with a Supervisor ; I received the same unhelpful info that they will try to resubmit the claim again. I did my part by following up from the very beginning and continue to follow up with this creditor to give me the help i deserve and have received nothing but information that does n't make sense.

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