milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/14/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with BARCLAYS BANK DELAWARE (PA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: On XX/XX/XXXX I opened an account with Barclay 's Bank Delaware and the account was closed on XX/XX/XXXX, A derogatory remark was made on my credit report XXXX, XXXX, XXXX, stating that this account has a balance of {$2500.00}, and also that I have late payments XX/XX/XXXX of 120 days late I can not understand how this can be possible is the account was closed in XX/XX/XXXX and how can any account be reporting late for 120 days for 3 consecutive months? Also I did have an account here but my balance has never been {$2500.00}, I do n't understand how they can add {$1000.00} plus dollars to my account, please help me I have contacted this company many times I would like to address these issues by either paying what i truly owe them or get this negative remark removed from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04-11-2016 about Bank account or service (Other bank product/service) with PAYPAL HOLDINGS INC. (OH).
Issue: Account opening, closing, or management

Complaint: Paypal has restricted my virtual payment account and is holding my funds for 180 days. They state that XXXX of my transactions did not follow policy but fail to cite specific text from a user agreement or terms of service. They claim my funds are being held in case of chargebacks or buyer complaints, however I have not received payments to this account over the past 180 days that would warrant the necessity of such coverage.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ).
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: Transunion took 85 points off of my credit scores for no reason all, this has been. Recurring issue

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 12/23/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Stellar Recovery, Inc. (NM).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: My contention : I was never given the right to even question let alone settle this debt. I was never contacted in writing or by telephone about owing this debt. I discovered the debt through credit monitoring not because of Stellar Recovery, inc. attempt to collect a debt. This alone violated my rights. 

Stellar Recovery, inc. contacted the credit reporting agency and put the debt on my report as owing. This was a direct violation of my consumer rights. 

Furthermore ; The agent for this collection group XXXX XXXX XXXX XXXX stated they attempted to call me but the original vendor had given them the wrong telephone number for me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11/19/2016 about Debt collection (Credit card) with Account Discovery Systems, LLC (TN).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: Account recovery services has contacted several people about my debt who are authority figures at an old job. They have contacted my old boss, employees, foremen. Disclosing that They have issued a judgement against me, and other personal information. There is no way they should have these people 's personal phone numbers. The place of my old employment was shut down and this company has gone out of their way to contact all the authority figures, on their personal numbers, who used to work there with me. I do n't even know how they went about acquire all of these people 's phone numbers. The info they have reported to these old coworkers is false. There have been no judgments against me. They have made no means to contact me. I have the same phone number and address for the last XXXX years and never once did they try to contact me by phone, mail, or email. 
They have also been contacting my family. Giving false info and sharing my debt information.

Company response to consumer: Closed with explanation
Consumer complaint received 02-04-2016 about Student loan (Non-federal student loan) with JPMORGAN CHASE & CO. (DE).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: After checking my credit report, I see a listing from XXXXCHASE. I disputed the claim.This is not my account and never was. I then sent a verification and validation to chase about the loan. I got no response. I then recently disputed it again with XXXX It came back updated with a new last reported date of XXXX. It says the last payment was made on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 02/28/2018 about Debt collection (Auto debt) with ALLY FINANCIAL INC. (MA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: On a letter date XX/XX/18, Ally sent me a bill for {$1200.00}. I fully reject this as not being valid. A ) There is/was no excessive wear to the vehicle ( {$540.00} ) B ) Sales tax on excessive miles/excess wear and tear if false ( mileage was significantly below what was allowed as per lease agreement ( {$47.00} ) C ) Total Daily Extension Charge is false as the only reason the car was kept past the date in the lease is because Ally, for 4 months lied to both myself and my mother ( the person who was going through the lease buy out ), dragged its feet throughout the process and is guilty of fraud against and elderly woman. They scared her into thinking the car was going to be repossessed on a phone call and she drove that day to the dealership to turn the car in. The {$620.00} listed for that charge is their own fault. If they proceed in taking this matter further, I'm going to district court to file a countersuit in the tens of thousands due to all of the lost money paid into the vehicle for the lease. The process was initiated for the lease buy out in XXXX and in XXXX the lied to my mother ( whose primary language is not English ) and scared her into surrendering the car. This is after I have proof in an email that the buy out application was approved. Given that I am in MA, that is the only reason I haven't filed a suit against Ally already. Now I will have to take time off to sue them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/17/2016 about Debt collection (I do not know) with Loan Science, LLC (IL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: The prior owner of our phone number allegedly has a debt with a company that calls us constantly even though we have informed them that we do not know that person and that they have the wrong number. They call several times a day even though they have promised to remove our number. They will stop for a few months then it starts up again. We have had this phone number now for seven years.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 12-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with JPMORGAN CHASE & CO. (GA).
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: On my XXXX report dated XXXX, Chase is showing " reaffirmation of debt ( included in bankruptcy ). We do not have a bankruptcy. I contacted Chase XXXX ( Sp/w XXXX XXXX ) on XX/XX/XXXX after disputing this issue with XXXX  and the other bureaus ( XXXX and XXXX ). XXXX XXXX advised that she would have the issue resolved by sending a request to XXXX to have the inaccurate verbiage removed from our credit report and would send me a letter detailing the resolution. I received the faxed letter this morning and this issue is not resolved. The letter sent to me dated XXXX from Chase MTG says there is no foreclosure on my credit reports. We never discussed a foreclosure nor have we ever had a foreclosure! The letter goes on to say that they are requesting all 4 bureaus to update our account with reaffirmation of debt, which is incorrect. We do not have a bankruptcy! I hope that they do not make this request and cause the other two bureaus to report incorrect information. I have attached the letter for your review. 

After receiving this faxed letter, I immediately contacted Chase MTG and spoke with XXXX XXXX, I explained why I was calling and that we do not have a bankruptcy, but Chase MTG keep insisting on reporting incorrect and inaccurate information. XXXX XXXX agreed to resubmit another request to XXXX  requesting that the verbiage : reaffirmation of debt ( included in Bankruptcy ) be removed. 

I am not confident that this situation will be resolved immediately, so I am reaching out to you for assistance with Chase MTG and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 03/30/2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (CT).
Issue: Billing disputes

Complaint: On XX/XX/2016 received a demand letter for a delinquent account that I never had.

Company response to consumer: Closed with explanation
Consumer complaint received 06-06-2017 about Debt collection (Payday loan debt) with CURO Intermediate Holdings (AL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Speedy Cash Was reported on XXXX2014 the merchants stated it was a online loan and I have no known knowledge of.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/18/2017 about Mortgage (VA mortgage) with Pacific Union Financial, LLC (WA).
Issue: Trouble during payment process

Complaint: I recently refinanced my VA mortgage loan with XXXX Bank. The terms and conditions of repaying that loan were disclosed at time of escrow closing. The monthly mortgage payment is due the XXXX of each month, and the borrower is provided a XXXX grace period before any late fees are assessed. 

Within just a few weeks following loan closing, the lender XXXX sold the loan to Pacific Union Financial LLC out of XXXX XXXX, TX. Pacific Union is trying to assess a {$5.00} draft fee for payments made after the XXXX of the month. They claim this is because they utilize a XXXX party servicer that charges Pacific Union Financial a {$5.00} fee to process. 

I have informed Pacific Union that they can not assess additional fees not disclosed or agreed upon in the mortgage closing documentation. They also state that they waive the {$5.00} fee for payments received between the XXXX thru the XXXX of the month, but choose not do so thereafter. 

That Pacific Union has opted to process payments thru this XXXX party server that charges them a {$5.00} fee is not the responsibility of the original borrower to bear. They have not offered to permanently waive this fee for payments received after the XXXX. We never agreed to these terms, and have always been allowed the XXXX grace period to make the mortgage payment ( previously financed thru XXXX Bank out of Michigan XXXX with no additional " late '' fees assessed and applied to the loan. We were not offered any input when XXXX unilaterally sold the loan to Pacific Union, nor have we or will we agree to additional monies being assessed against the loan amount for the " privilege '' of making online payments or failing to meet an additional due date over and above those agreed upon at time of closing. 

Thank you for your assistance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07-05-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (AR).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: 2006 started XXXX College with a Student loan through XXXX XXXX  The amount was around 10,000. I was suppose to begin payments after the school year ended. I was not working at the time just attending school. Second month in they started trying to make me pay XXXX a month on that loan. I went to the school and spoke with the loan staffer there that helped me apply for the loan whom basically told me to suck it up and make the payments. I then contacted XXXX XXXX and got the same answer. As I was not working at the time I could n't make payments. It went into collection before I even finished school. They started taking my taxes and another company contacted me, I believe Nievient? Not certain of the spelling saying they 'd work with my income at the time stating it 'd not be above 50 a  month based on income. For about 6 months those payments were made on time and for the amount but, on the 6-7 months they jacked up the prices to XXXX a month and threatened to sue me if I did n't pay. Threatened me personally by saying I was a horrible human being for not paying my debts and other nastier comments. I stopped paying. They are again taking my taxes.

Company response to consumer: Closed with explanation
Consumer complaint received 10-05-2017 about Debt collection (I do not know) with Alliance Data Card Services (GA).
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint: Received an unusual voicemail from a XXXX XXXX asking to speak to me or my attorney. He did not say what it is regarding. He did not even tell me that he was collecting a debt. Only that I am ignoring the matter " at this point in service '' and they will proceed to any available next steps if they do not hear from me or my attorney. A message like this was sort of scary and made me think that this was an attorney and I am being sued. I do not have an attorney and I have n't been served any papers. I thought that perhaps this was one of those fake XXXX calls so I googled the number. It is possibly XXXX bank calling regarding a card that I made arrangements to pay.

Company response to consumer: Closed with explanation
Consumer complaint received 12/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TOYOTA MOTOR CREDIT CORPORATION (CA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I took out a car loan with Toyota Financial Services in XXXX XXXX, the payments of XXXX were due on the XXXX of every month. After starting the contract with them I asked for a due date change, and we agreed on the XXXX of every month. TFS sent me paperwork to sign and I signed and sent it back. At this point the new due date is the XXXX of every month. The first payment according to the new contract with the new due date is XXXX/XXXX/XXXX. I began making my payments according to the the new agreed upon due date, however XXXX has not been reporting the payment according to the due date of the XXXX, which has cause multiple additional fees and a negative credit reporting. They are being unreasonable with resolving the matter.

Company response to consumer: Closed with explanation
Consumer complaint received 01-09-2017 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: I couldnt recieve my credit scores or info from 2 credit agencies XXXX or XXXX and i on the one i did get it said something about auto financing loan and mortgage loan so i dont know what those are i dont own either of the 2 a house or a car

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 08-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NY).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: I made an agreement with XXXX XXXX XXXX on XX/XX/XXXX to pay a settlement of {$800.00} dollars on a debt of {$1900.00} to XXXX XXXX XXXX. After I make this payment the account would be settled in full. XXXX XXXX XXXX made a payment to XXXX XXXX XXXX , XXXX on XX/XX/XXXX. I received a letter dated XX/XX/XXXX from XXXX XXXX XXXX stating my settlement obligation had been fulfilled - XXXX reference # : XXXX. They told me through account executive XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX : that they were not reporting it to the credit bureaus. It is still being reported to EQUIFAX as an open account. It is lowering my credit score with them because of it still being on their report. I would like this entry promptly removed from Equifax credit report and any other credit reporting companies. Thank you - XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/14/2015 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (CA).
Issue: Loan servicing, payments, escrow account

Complaint: Nationstar Mortgage has repeatedly failed to pay my homeowners insurance and when notified of the cancellation, tried to initiate a lender-placed policy on my home. I have repeatedly asked that the escrow be removed from the account and they refuse to do so, claiming that the escrow is a requirement, since this is a federally-backed loan.

Company response to consumer: Closed with explanation
Consumer complaint received 04-11-2017 about Bank account or service (Checking account) with Experian Information Solutions Inc. (TX).
Issue: Making/receiving payments, sending money

Complaint: This is a complaint against XXXX XXXX XXXX filed by XXXX XXXX. I have been a customer with XXXX XXXX XXXX since XX/XX/2015. Since this time they have shown to be unethical. Totally disrespect I have direct deposits and every time I would receive a direct deposits I would notice money missing from my accounts even when I was n't using the card. In XX/XX/XXXX I had to get a print out of my transaction history. For XXXX when I looked at my transaction history I notice money was being paid to Experian Credit, XXXX XXXX and XXXX which I had not authorize. I contact XXXX XXXX XXXX filed a dispute against the XXXX companies. The money was returned. They cancelled the card and put a tempary freeze on the account until they investigate. Then in XXXX the took the money put of my account account again. I called them they said they find in favorite of the business and I need to contact the business and get my money refund back. I called Experian talk to customer service clerk she ask for my Ss no. I told her I do n't give that information out so finally I give it to her she find no account. Then asks for my Debit Card number I give her the information she ( cs ) clerk tells me their are XXXX accounts open using that card andshe asks me if I know a XXXX XXXX or a XXXX XXXX. I told her I do n't know an XXXX XXXX but I know a XXXX XXXX but neither one of them live at this address. She ask if they had access to my information. I told them no they do n't live here and have no knowledge of what Bank I use. They asked if I left the information on my computer its possible but I doubt it because no one lives in this house but me. And I told them XXXX XXXX does not need to steal money from me. If anything I might need to borrow some from him. But for as XXXX XXXX I do n't know an XXXX XXXX. They said since the card was in my possession. I probably did it or let someone use my card. I told them not I did n't. I asked to speak to a manager. They transfer me to XXXX. I ask her to refund the money she said they can only transfer on payment back if that. Have my bank to dispute it. I called XXXX XXXX XXXX and gave them the information. The said the dispute is closed you can file a reconsideration. I did the said because we have the same last names and I had possession of the card the dispute is closed.

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 09-11-2016 about Mortgage (Other mortgage) with EMCC Holdings, LLC (NY).
Issue: Loan servicing, payments, escrow account

Complaint: In XX/XX/2016 a formal notice of dispute was sent certified mail to Equiant Financial demanding the validation and verification of an allege loan debt, Equiant Financial failed to respond. In XX/XX/2016 a second notice was sent demanding validation and verification of an alleged debt, Equiant Financial failed to respond. in XX/XX/2016 a third notice was sent and Equiant Financial failed to respond. 

Equiant Financial is in violation of Fair Debt Collection Practices Acts that require a debt collector to validate the debt they are attempting to collect on. Equiant Financial is violating XXXX Laws which require a debt collector to cease and desist collection activities prior to validation of alleged debt. Equiant Financial continues to attempt to collect on an alleged debt without strict proof of its existence. This falls under XXXX and XXXX laws. Equiant Financial is sending mail with false and fictitious names, a criminal conduct falling under XXXX XXXX XXXX. XXXX - Fictitious Names. 

I also reviewed my credit report and noticed Equiant Financial continues to publish negative remarks to Experian and Transunion credit agencies. Equiant Financial also failed to report this debt to the credit bureau as being disputed. This is defamation of character and a violation of Fair Credit Report Act which falls under willfully non compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 06/26/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Advanced Collection Bureau, Inc. (VA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: The lease was up and I disputed that with the collection agency and also ask for them to provide me proof of the debt and lease. They have not done so since the original dispute.

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