milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03/20/2016 about Credit reporting () with Experian Information Solutions Inc. (PA).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: I have tried but they will not provide me with my report. Also there information about me is wrong and out dated.

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 10/23/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I always paid XXXX No idea where this bill is from. Please remove from my credit report is damaging my rating incorrect report. THANK YOU

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/30/2017 about Debt collection (Medical debt) with ARC Management Group, LLC (TX).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I have requested verification and validation of debt per my right under the FDCPA section 809 a and b yet this company refuses to provide. I also requested them to cease telephone communication yet their auto dialer still calls me several times a day. This debt is not mine and I am demanding proof of this debt. I also disputed this debt yet its not showing as such. This is a violation of the FCRA. I also do not believe this company is bonded to collect in my state. The last four of my ssn are XXXX and my date of birth is XXXX/XXXX/XXXX. Please send proof of this debt to XXXX XXXX XXXX XXXX, TX XXXX. If I must I will seek legal advice to protect my rights. If my rights are violated in anyway I will seek actual and statutory damages against you and your client.

Company response to consumer: Closed with explanation
Consumer complaint received 12-02-2016 about Student loan (Non-federal student loan) with AES/PHEAA (SC).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: I am currently XXXX. American Education Service ( AES ) has sold and defaulted a private loan on XX/XX/XXXX no notice was received. AES is stating they are no longer servicing this loan while reporting a {$38000.00} debt while the account balance on their website indicates a {$0.00} balance. In addition, the loan original balance was {$15000.00} while AES reports the loan about to be approximately {$38000.00}. The {$15000.00} loan was under forbearance XX/XX/XXXX to XX/XX/XXXX. During the forbearance period AES more than doubled the loan amount to approximately {$35000.00} on XX/XX/XXXX. This loan was also approved for deferment from XX/XX/XXXX to XX/XX/XXXX -- this loan was sold off during the deferment period as a charge off delinquent debt on XX/XX/XXXX. In addition, I should have been covered under SCRA protection due to military service XX/XX/XXXX/XX/XX/XXXX and XX/XX/XXXX/XX/XX/XXXX. I have attempted to contact AES several times with no success.

Company response to consumer: Closed with explanation
Consumer complaint received 11-09-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with State Collection Service, Inc. (WI).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I hired a public defender and was required to pay XXXX dollars. I filled out a form that they say was never received to give me an extension due to no work or reduced hours. I tried resolving this with the company and even called someone in the courts. Now because the time elapsed I owe XXXX dollars and this is on my credit report. I told them I have no problem paying the XXXX or even half of the XXXX, but they would not work with me. The collection company is called State collection services in XXXX, WI.

Company response to consumer: Closed with explanation
Consumer complaint received 11-12-2015 about Consumer Loan (Installment loan) with Avant Credit Corporation (CA).
Issue: Taking out the loan or lease

Complaint: on XXXX XXXX 2014 I made a loan to avant inc. website is www.avant.com in the amount of {$3000.00} loan Id is XXXX. As of XXXX XXXX my pay off amount was {$1000.00} which I had already paid it and it was already taking off my bank account. However avant has not closed my account loan. I made several attempts to fix this issue with them but they give me a run around. I send them emails and called there customer service and no one has giving a resolution to my issue. XXXX. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 04/15/2016 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: Hello, I am working to fix my credit and have been able to dispute charges on XXXX XXXX. XXXX has since removed all disputed charges but Equifax continues to report the charges. As of today XXXX/XXXX/2016, I have faxed over all requested information to Equifax a total of 3 times. I spoke to XXXX different CSR 's at Equifax and XXXX told me that my fax was not received, although I have the fax confirmation for both. Also, I disputed the charges via mail as per the " Fair Debt Collection Practices Act ''. XXXX of the letters were returned stating that the address for XXXX Solutions and XXXX XXXX XXXX, did not exist. This is why I disputed online. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 04/13/2016 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (NY).
Issue: Loan servicing, payments, escrow account

Complaint: PART 1024 -- REAL ESTATE SETTLEMENT PROCEDURES ACT ( REGULATION X ) Subpart C -- Mortgage Servicing CFR 1024.38 ( b ) ( i ) ( ii ) ( iii ) ( iv ) ( v ) Robo-signing is illegal and has been outlawed in the State of New York. 
I discovered the Assignment of Mortgage on my loan being used to establish ownership was robo-signed by serial robo-signers XXXX XXXX, XXXX XXXX and XXXX XXXX. 
XXXX XXXX XXXX, XXXX publicly went out of business in XXXX XXXX, XXXX. 
XXXX XXXX XXXX, XXXX, was not in business on XXXX XXXX, XXXX and did not exist on XXXX XXXX, XXXX when the Assignment of Mortgage was recorded and filed in XXXX County Clerk 's Office.

Company response to consumer: Closed with explanation
Consumer complaint received 01-12-2017 about Consumer Loan (Vehicle loan) with ALLY FINANCIAL INC. (AZ).
Issue: Managing the loan or lease

Complaint: I finance a car thru Ally Financial on an 8.44 % rate. However, after reviewing my payments and total I believe they 're taking advantage of me and applying all payment to finance charge. I 've spoke to the rep and she has state they forecast charges therefore I must pay that interest. I was never late on this loan always paid as agreed however for 2016 I paid more in finance charge than what was applied to principal. Now I understand a high interest rate most payment would be applied to interest however on an 8.44 % rate my I should n't have paid more in finance charges than towards my principal. No one can explain this. I feel taken advantage of as a minority an XXXX XXXX Male. I have giving more money towards my payments to pay off early but none of my payments where applied to principal but to interest. I feel abused in this situation.

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 04-09-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with SYNCHRONY FINANCIAL (TX).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: On XX/XX/2017 my credit report shows a hard inquiry from XXXX/XXXX from XXXX Florida..I never applied for any credit with them I called the number listed on the report and I spoke with a same who states they do not even offer credit for airlines? Please is there anyway I can have this removed from my credit?

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 11-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have contacted XXXX and Transunion to remove unauthorized inquiries on numerous occasions, with the most recent time beingXX/XX/XXXX Both companies refuse to remove or even investigate the inquiries. I did not authorize the credit report inquiries for the following companies and I wish to have them removed as a hard inquiry on my record. I have attempted to contact those companies I could locate phone numbers for online but have been unsuccessful in reaching someone to help with this issue. 

Transunion : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXXXX/XX/XXXXXXXX XX/XX/XXXXXXXX XXXXXX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX  XX/XX/XXXXXXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX : XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XX/XX/XXXXXXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXX/XX/XXXXXXXX XXXXXX/XX/XXXXXXXX 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 09/20/2016 about Credit card () with CITIBANK, N.A. (CA).
Issue: Advertising and marketing

Complaint: I was contacted by XXXX XX/XX/2015. I was promised a web site that would generate me a residual income monthly. Since doing business with this company I have not received any services. Also this company will no longer answer the phone or is responsive to emails that I have sent. The company is an absolute scam!

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 05-01-2017 about Student loan (Federal student loan servicing) with Genesis Lending (TX).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: -  XXXX   XXXX ,  XXXX  : Received a notice from the IRS saying that my  XXXX   XXXX   XXXX   c/o  Genesis Lendin g Services loan of  {$4000.00} was being recorded in my  XXXX  tax return as a cancellation of debt. I then owed the IRS {$3400.00} ( {$110.0

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 03/31/2016 about Debt collection (Non-federal student loan) with Navient Solutions, LLC. (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Back in XXXX I sent a CEASE & DESIST LETTER to General Revenue Corporation for the said XXXX XXXX - Online debt. I also explained to them per the letter of separation provided from XXXX I have no debt owe to them or me. This is legal document stating that. In XXXX XXXX sent this same debt to another debt collector and when I fax that debt collections company the letter of separation they agreed that they cant do anything because of the letter of separation. Now once again in XXXX of XXXX I received another letter from GRC attempting to collect on a fraudulent debt. As stated above I sent a letter of CEASE & DESIST back in XXXX and on the phone dated XXXX XXXX XXXX I was told that my account will be placed in CEASE & DESIST but I received another on XXXX XXXX of XXXX after I already asked in XXXX for GRC to CEASE & DESIST communications with and again on XXXX XXXX of XXXX I was told that they would CEASE & DESIST communications with me. At the end of the day the debt is not mines and if I did owe any money to school why would n't they have taken out of my check if I owed them since XXXX and I was still employed there till XXXX of XXXX? If I owed them money AGAIN WHY DID'NT TAKE IT OUT OF THE SEVERANCE PACKAGE THAT I RECEIVED???? XXXX is harassing me know and this needs to stop. I have shown proof that XXXX can not collect on this. I show proof that the debt is bogus because it has no type of late fees and or collection cost. They know this is some XXXX and GRC should leave me alone. 


I have attached the dispute from XXXX and all documents along with a screen shot of the recorded phone between GRC and I. I have attached the letter I sent to XXXX XXXX stating the reason why this debt is not valid. IF you do n't stop and I mean never contact me again, I will seek legal representation and provide them with all the legal documents, files, statements from former XXXX employees and file harassment charges against GRC with GEORGIA ATTORNEY GENERAL OFFICE and US Government.

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 04-08-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I have sent multiple Credit Bureau Disputes and even a letter directly to XXXX XXXX. They report all aspect of this account incorrectly. The account shows open when it is closed, the balance is incorrect, it shows a past due amount higher than the high credit, and they never placed a notice that this account is in dispute.

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 05/30/2015 about Debt collection (Medical) with Monterey Financial Services LLC (MI).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: Someone used my id in XX/XX/XXXX and XX/XX/XXXX. I pulled my credit report found a {$15000.00} (!! ) ) bill from montery collections in XXXX. I sent a debt validation letter they sent back a letter stating " the defaulted account will continue to be reported accordingly '' it 's in dispute and on my credit!!! Copy letter attached. 

The computer printed generic contract does n't have my signature, just a printout. They did not validate the debt, nor answer all my questions asking for copy contract my signature, copy their bond and license number, copy papers showing I agree to pay, nothing. They are not licensed to collect debt in State of XXXX. 

They did not send a copy of the agreement showing they are authorized to collect debt on someone 's behalf, nor the name and address of the original creditor as requested. 

I am sending a XXXX letter, which is attached hereto., by registered mail. I am writing the attorney general of XXXX and of michigan as well as the FTC.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/18/2016 about Bank account or service (Other bank product/service) with WELLS FARGO & COMPANY (GA).
Issue: Account opening, closing, or management

Complaint: On XXXX/XXXX/XXXX I opened and a SECURED self-funded credit card with {$400.00} at a Wells Fargo Bank. I never used the card. I did pay the annual {$25.00} fee. On XXXX/XXXX/XXXX I phoned Wells Fargo and cancelled the card. It was agreed that I had never used the card and had authorized no recurring charges to occur on the card. The balance ( minus the annual fee ) was intact. I was told that it would take 45 to 60 to release my money. I find the 45-60 day delay in refunding me unacceptable as the card was immediately voided and as it was a secured self-funded credit card had no liability to Wells Fargo Bank ever. Wells Fargo 's written terms for holding the the balance states it is " to cover transactions that may be posted to the credit card account after it is closed '' which makes no sense. 

I would appreciate CFPB to investigate this practice at Wells Fargo bank.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02-12-2018 about Debt collection (Auto debt) with BMW Financial Services NA, LLC (CA).
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint: All of my accounts have been hacked an I believe that BMW is behind it. Bmw has is doing everything that they can to keep me from getting to the right place to file a compliant they hack in my phone. They disable my car remotely. They have people following Me 24 hrs a day. I call the police but they do not want to help. They say everything they can to keep me chasing my tail. I've be hacked money frozen card towed illegally. Threaten all of these thing stim from bmw an this software they are developing for the driverless cars I THINK WHAT EVR IT IS ITS ON M6 CAR AN THEY HAVE WORKED WITH THE POLICE TO SEPERATE ME AN MY CAR. THESE PEOPLE FOLLOWING ME DISABLING MY CAR MAKING BREAKS GO OUT POWER SEEM TO BE DEAD THEN COMES BACK OVER HEATING THEN FINE IT'S LIKE THEY HAVE BEEN USING ME AS A TEST DUMMY. The police I hear are to be getting carS fRom bmw. My car is still in the pound police had a 3rd party pick up the car then called back in an said that I requested a tow. I have towing with bmw free I need help. I don't KNow what else to do when the police are involved in a crime an it seems that they will stop at nothing to keep me quiet they have put tires on flat take out fuses in my car so it wouldn't run. Hacked phone an have calls I call go to them. My name is XXXX XXXX XXXX XX/XX/XXXX. I don't feel safe. I was left in the middle of the street at night for 2 hrs an police drove by like I wasent their. I was taken to XXXX they tyed too wipe my phone 's clean I recovered them. Police helping these people that are following me please help. 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 10/21/2015 about Debt collection (Medical) with TRANSWORLD SYSTEMS INC (PA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I checked with XXXX There is no record of me owing this money. I contacted Transworld Systems to clear up the matter. They failed to give me any details about the bill and abruptly disconnected the phone call.

Company response to consumer: Closed with explanation
Consumer complaint received 10-05-2015 about Consumer Loan (Vehicle loan) with STATE FARM BANK, FSB (VA).
Issue: Shopping for a loan or lease

Complaint: I have had loans threw State Farm Bank. I recently requested a loan quote and I was told because I am an XXXX I can not borrow money from them to purchase a Vehicle from this business??

Company response to consumer: Closed with explanation
Consumer complaint received 07/25/2017 about Checking or savings account (Checking account) with JPMORGAN CHASE & CO. (CA).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: Please update XXXX XXXX faster, had tbis problem before because i need there help getting money.

Company response to consumer: Closed with explanation
Consumer complaint received 04-10-2017 about Bank account or service (Checking account) with CITIZENS FINANCIAL GROUP, INC. (NY).
Issue: Deposits and withdrawals

Complaint: I specifically opened an account to pay bills, light bill ( automated payments ) and a court settlement. When XXXX / XXXX misprocessed the payment and I reported the matter in person to XXXX at th Citizen 's bank branch, h failed in his duties to protect their account holder and process a fraud complaint. 
Also I understand that I may be held responsible for incorrect processing of a XXXX Payment from XX/XX/XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 03/19/2017 about Credit card () with CITIBANK, N.A. (NJ).
Issue: Customer service / Customer relations

Complaint: Not a complaint its a plea for loyalty for loyalty. I have been with XXXX for almost 30 years. i have a charge i made that is a JOINT bill and i have to take someone to court to get it paid and me paid. I have paid what i can. i am asking for the interest to be WAIVED for 3 months until i can get the money based on my good record. I know as of the writing of this no interest has been assessed but it will be shortly. PLEASE consider this based on my excellent record and excellent long term payment history with Citi. Card ends in XXXX Just 3 months. I have written in to Exec customer service with no response.

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 12/14/2015 about Payday loan () with ZestFinance (DE).
Issue: Charged fees or interest I didn't expect

Complaint: I received a loan and could not repay from Zest Cash. I sent it to a consolidation company that did not receive any information from this company. Zest cash sent this to XXXX XXXX. They told me I would be taken to court and my wages will be garnished for XXXX times the amount. I feel that this is a scam and want to note what I should do because I am afraid to deal with either of these companies at this point.

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 08/25/2015 about Debt collection (Medical) with Accredited Collection Service, Inc. (NE).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: i received a collection notice dated XX/XX/2015 back the beginning of XXXX 2015. They demanded payment on behalf of a company by the name of XXXX XXXX XXXX. I have never heard of this company, so on XXXX XXXX, 2015 I sent a written request for validation to ACS, in the return envelope they provided, and the first class postage I provided. On XX/XX/2015 I received another demand for payment, by they have yet to honor my request for validation of the debt they are attempting to collect.

Company response to consumer: Closed with explanation