milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11/24/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with The TRAF Group (PA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: A collection company is trying to charge me a collection fee for a debt they bought and collected on. I paid my debt of {$470.00} the day I was notified. They are trying to add on {$140.00} as a collection fee they are charging. My right I believe is they can not collect more than my debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: On XX/XX/XXXX I submitted my FTC Affidavit, notarized and signed, with the police report number. 

XX/XX/XXXX responded XX/XX/XXXX and updated the information on my credit report that was due to fraud they sent a letter saying that the items were removed however they have been reappearing since XX/XX/XXXX on my credit report and XX/XX/XXXX told me to put a Freeze on my report which I did but the two accounts and three collections are still showing on my report as of XXXX. 

Experian responded XX/XX/XXXX and said that I did not send the proper information to my FTC Affidavit but I sent the affidavit, notarized and signed by the police report number. They then said that I needed to submit additional documentation as far as my passport, ID or SS # and I submitted all three : The four collection accounts and six accounts due to ID theft on my account are still showing on my report as of XX/XX/XXXX and Experian has not responded. 

XXXX responded on XX/XX/XXXX and removed the accounts, and appeared on XX/XX/XXXX they were showing again and, the rep I spoke to in the fraud department said it was a glitch in their system it was removed XX/XX/XXXX and was not showing any of the accounts due to fraud now as of XX/XX/XXXX three accounts are back showing that were due to Fraud. 

I have attempted since XX/XX/XXXX to get the items removed that were due to ID Theft and submitted the proper documentation for each bureau and nothing has been doing by the credit bureaus. As results, my credit scores consistently fluctuate and the fraud departments are saying that I have to go through a dispute process. 

Why would I need to go through an additional dispute process when I have submitted the proper documentation? Why would they remove the items send me an updated copy and letter stating they would and, then reappear and blame on computer systems. 

I am now seeking assistance and felt like I needed to file a complaint almost a year dealing with reoccurring issues.

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 07-02-2017 about Mortgage (Conventional home mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Closing on a mortgage

Complaint: this is a new, and continuation of previous complain about ( bank of america mortgage line of credit loan # ending XXXX ) company contacted me but as soon as my complain was closed, they dropped the ball, waited called waited few days before they finally call me, but my questions have not been answered, please do n't get me wrong regulatory complain person, XXXX XXXX, is a very nice person, it 's too bad that I got no where with information that her team provided for me, example to give you reading this, I got little to none answers considering how long it took there team to get back to me, and the information they have does n't agree with what I have, unless, am missing something? and I would not be complaining again if they would not be so mysterious about answering my messages, It 's has become clear to me that bank of america is not working with facts my credit line for example, was never up to the limit of XXXX as a matter of fact, it was XXXX and later reduced, drastically with the mortgage crises of the 2008, and let me give you one more example my XXXX system is telling me that am taking to long so I will stop here,

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/27/2015 about Credit reporting () with EQUIFAX, INC. (NV).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: I am a victim of identity theft. There are fraudulent accounts on my credit report. I have already submitted my police report, FTC identity theft affidavit, drivers license, social security card and utility bill to Equifax with my written and typed dispute and they continue to still report these fraudulent accounts. Because they have not removed these fraudulent accounts, It has prevented me from getting a house and credit. I have sent several disputes to Equifax and I get a completely irrelevant and what seems like auto-generated letters back. The other credit bureau these fraudulent accounts but because Equifax has n't and also denied to blocked these fraudulent accounts as I requested and am entitled by the FCRA. I have given many opportunities to have Equifax correct this blatant fraudulent reporting. I now have to escalate this issue to this complaint and will now consult with a lawyer. The fact that Equifax says they " verify '' is counter intuitive, since I am an identity theft victim, of course my name, address or what other information will be used. That 's what identity theft is, the use of a person 's identity, personal information and anything else that is used to identify a person. If there was n't this use, it would be called something else. I 've attached copies of my letters, police report, affidavit and some Equifax responses. Equifax is well aware these accounts are fraudulent and is just ignoring my disputes while continuely to report it. 
Please assist me to remove this fraudulent account from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 01/30/2017 about Debt collection (Payday loan) with Coastal Financial Solutions, LLC (VA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Coastal Financial Solutions continues to call my place of employment after I have told them that I 'm not allowed to receive phone calls at work. They have also not sent any formal written communication regarding this debt. This company will also leave voicemails on my work phone stating my debt.

Company response to consumer: Closed with explanation
Consumer complaint received 09/30/2016 about Bank account or service (Checking account) with CrossCheck, Inc. (VA).
Issue: Making/receiving payments, sending money

Complaint: My check was denied at a merchant in XXXX, VA due to a financial monitoring company, " Cross Check, Inc ''. When the merchant checked with the service, they said my check number had already been used. The merchant knew me and let me pay with the check. 

I called the Cross Check number and the only option an automated system gave me was to file a complaint online, by mail or by automated phone line. 

My bank account showed the last check issued and it was not the check number being used and the bank balance was fully funded. This was an unnecessary embarrassing situation due to bad information by Cross Check XXXX Inc, and they gave me no option to find out what caused their system to deny my check other than file a complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 07-05-2015 about Credit card () with SYNCHRONY FINANCIAL (NY).
Issue: Billing disputes

Complaint: In XX/XX/XXXX I applied for a Lowe 's credit card to pay for a renovation. The card was to be without interest for XXXX months. I never received the initial credit card from Lowe's/Synchrony Bank, XXXX XXXX XXXX, XXXX, Ga XXXX and a XXXX card was sent to me. I began receiving statements for the XXXX card however I was being charged interest. When I advised them of this problem they began transferring interest charges from the old card to the new card. In XX/XX/XXXX they said my balance was {$12000.00}. I calculated my balance to be {$10000.00}. I would crack quested that they give me a payoff amount and they said my payoff amount was {$12000.00}. I contacted them and asked them to tell me why my balance was that amount. They did not reply and I felt I did not have to pay the monthly charge that they were asking because the balance was incorrect. My monthly payment for XXXX was {$230.00} Which should have not have been that high. I did not pay the {$230.00} and now they are asking for a minimum payment of {$490.00} and charging me {$100.00} on interest and {$25.00} in fees. I want to pay off the entire balance of this credit card and I feel that they are not cooperating.

Company response to consumer: Closed with monetary relief
Consumer complaint received 02-04-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint: On XX/XX/2017 XXXX/XXXX made an unauthorized Inquiry on my XXXX  and transunion REPORT! 

But XXXX/XXXX has AGREE to Delete this Inquiry! 

Please send ATTACH letter

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 09/25/2017 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (AZ).
Issue: Trouble during payment process

Complaint: Can you please ask XXXX to confirm that they will be paying the County Taxes on my house at XXXX XXXX XXXX XXXX XXXX XXXX AZ 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 06-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with JPMORGAN CHASE & CO. (AL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I am on  XXXX  and my truck is financed with Chase. This payment is being paid by  XXXX  insurance that was sold to me when I bought my truck. Recently the insurance company held up my payments on the truck when I was switching doctors. When Chase received the payments to catch it up, they applied one paym ent (  XX/XX/XXXX  ) to the loan and the credit bureau is still showing that the  XX/XX/XXXX  and  XX/XX/XXXX  paym ent are past due. We have no idea what Chase did with our payment and they wo n't fix or tell the credit bureau that we are current.

Company response to consumer: Closed with explanation
Consumer complaint received 10/26/2016 about Debt collection (I do not know) with Dynamic Recovery Solutions, LLC (NY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: On XXXX/XXXX/2016 I contacted the XXXX to help me obtain a letter from Dynamic Recovery Solutions to have an inquiry on my XXXX credit report removed. 
When I contacted Dynamic recovery solution they would not allow me to have any information involving the account because the social security numbers do not match, therefore how is the account mine if I can not access it due to the social security numbers not being a match. I have not owed any outstanding debts involving my credit in over 7 years, therefore Dynamic recovery solution had no grounds to access my credit information and it should be removed. 
Although this matter on my credit report is somewhat resolved, I would like the proof ( who the client is ) that hired DRS to perform the inquiry. Again, I have not had any outstanding debts over the past 7 years and according and to Section 213 ( 2 ) of the CPLR it states that the statute of limitations to commence an action upon a contractual obligation or liability, express or implied, except for residential rent overcharge, certain transactions described in the Uniform Commercial Code, or warranties on new homes, must be brought within 6 years after the cause of action accrued. This statute of limitations includes all " consumer credit transactions, '' such as credit cards, and is calculated to run from the date of the last transaction ( either the last credit purchase, or the last payment made, whichever occurs last in time ). 
The purpose of contacting CFPB on this matter is to reveal how Dynamic Recovery Solutions did not abide by Section 213 ( 2 ) of the CPLR, in which DRS should be very familiar with considering the nature of the business. Furthermore, DRS still has not provided any proof as to whom hired them to inquire about my consumer credit report to the XXXX. And on the letter they emailed me, it clearly has the wrong social security numbers. I hope CFPB requires DRS to produce the proof leading them to obtain my consumer credit report, which is the whole purpose of this complaint. DRS is a company that could get anyone 's information at their fingertips, and should be investigated for not following guidelines. I pray that CFPB thoroughly investigates this matter and is able to help in aid to put DRS in some type of violation of code due to this kind of intrusion of my personal information. Federal law strictly regulates who can obtain a copy of your credit report. The Fair Credit Reporting Act ( FCRA ) lists the " permissible purposes '' for obtaining a person 's credit report and I believe DRS did not rightfully have one. 

Regards, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/13/2016 about Credit reporting () with EQUIFAX, INC. (NY).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: I made application on line for my report, they will not let me see the report, telling me to call them. After 1/2 hour on the phone to them, no one answered. It is sad that personal information lies with those we do not know. Sadder that we can not even find out what is being reported on us, without our permission.

Company response to consumer: Closed with explanation
Consumer complaint received 11-02-2017 about Payday loan, title loan, or personal loan (Installment loan) with Colony Brands, Inc. (TN).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: This account was opened online with a family member using my personal information. I had no knowledge of this account. The site only ask for information easily attained and does not make an effort to insure the identity of its customers.The amount was XXXX XXXX no payments were ever made which shows that this account was opened with the intent to be fraudulent. I have several instalment loans that i pay on time and am never late. I have told this company several times that this is not my account and have requested it to be removed. It shows on my credit file as a deliquent account that was closed owing money. This is negatively affecting my previously good score. I am not willing to wait 7 years for it to roll off when it was fraud. The company has refused to remove which is extremely upsetting.

Company response to consumer: Untimely response
Consumer complaint received 01/27/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Trident Asset Management, L.L.C. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: This company is trying to collect on a debt for XXXX that is not mine. I have never had a XXXX account. I asked for validation of debt and all I received was a bill. Where is the proof I signed for this account. I have never lived at the address they had listed. I would like proof of this debt like paper work with my signature showing this is a valid debt. It is negatively affecting my credit and I would like this removed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09-04-2016 about Bank account or service (Savings account) with BBVA COMPASS FINANCIAL CORPORATION (AZ).
Issue: Account opening, closing, or management

Complaint: BBVA is engaging in illegal harassment and intimidation as a result of my previous successful complaint XXXX in which BBVA admitted wrongdoing and giving out false information. BBVA first blocked my online access and now is refusing to permit me to close my account and give me my funds even though these are collected funds in good standing with BBVA for over six months. PLEASE HELP!!!

Company response to consumer: Closed with monetary relief
Consumer complaint received 03-02-2016 about Credit card () with BARCLAYS BANK DELAWARE (DC).
Issue: Billing disputes

Complaint: I disputed a charge on my account. That dispute was concluded in my favor. I closed my account fully paid off. 
Long after the account was closed ( like 5 months ) I recieved a bill for a rebill on my account. Upon calling Barclays, I was told they could not reverse the charge over the phone. They told me that I was expected to pay the amount billed and that I had authorized this charge. 
I had not authorized this charge. I asked them to read back the transcript of an earlier call. This transcript does not reflect the conversation I had with their dispute specialist. I did not give permission for a rebill.

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 11-08-2015 about Debt collection (Credit card) with Capital Management Services, LP (NC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: XXXX card agreed to remove fraudulent account information then 4 months later started reporting again and sold the debt to a collection agency. A complete identity theft report has been mailed to both companies by certified mail.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 10/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit repair services) with John C. Heath, Attorney at Law, PLLC (NV).
Issue: Confusing or missing disclosures

Complaint: On XX/XX/XXXX I contacted Lexington Law Firm with regards to needing assistance with removinginaccurate information from my credit report. I explained I had contacted my Car Loan company with no resolution. I was explained the program, and asked the representative explicitly wouldI be charged if no actions were taken. On the recorded call, he said " no ''. I then gave my card number and was immediately charged {$14.00} for a transunion credit report. I was then advised I would be charged a {$110.00} fee if action was taken. 

On XX/XX/XXXX I received direct coommunication from XXXX XXXX that they matter hadbeen successfully resolved in my favor. I logged onto my Lexington Law Firm portal on XX/XX/XXXX and sent a message requesting cancellation. I noted that there were no pending charges. I did not receive any communication from the company until XX/XX/XXXX by phone. On XXXX XXXX, I received a phone call from anassociate trying to " sell '' a lower package. I advised as outlined in my email communication, I wanted to cancel. I was then advised I was going to be charged the {$110.00}. She stated there were challenges sent out on XX/XX/XXXX and XX/XX/XXXX ( AFTER request for cancellation ). I advised there was only one account in dispute, and it had been corrected. I then asked to speak to a manager. The supervisor XXXX was equally rude, and would not provide an employee ID nor last name to distinguish himself. He stated I had " 5 days '' to cancel, to which I advised him the discussion on the recorded call which lead me to enter an agreement with the company. I asked him to have the original call pulled and to have a manager call me.

Company response to consumer: Closed with explanation
Consumer complaint received 02/24/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: Public record State tax lien and Bankruptcy ( yr XX/XX/XXXX ), was disputed and previously deleted, and now on XX/XX/XXXX, a reinserted public record for the same state tax lien and banruptcy has been added to my credit report FCRA 611, Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] Requirements relating to reinsertion of previously deleted material. 
Certification of accuracy of information. If any information is deleted from a consumer 's file pursuant to subparagraph ( A ), the information may not reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies the information is complete and accurate. 
If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. Additional information. As part of, or in addition to, the notice under clause ( ii ), a consumer reporting agency shall provide to a consumer in writing no later than 5 business days after the reinsertion date. 

( I ) a statement that the disputed information has been reinserted ; ( II ) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information ; and ( III ) a notice that the consumer has the right to add a statement to the consumer 's file disputing the accuracy or completeness of the disputed information. 

I received no such notification

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03-07-2017 about Payday loan () with Enova International, Inc. (OH).
Issue: Payment to acct not credited

Complaint: This company will charge high interest for a quick turnaround payday loan and then you have to make the full payment within a short period of time. However, when you make your payment, they will not credit your payment and not contact you when your payment goes through and then charge you high late fees and then when you talk to them, they claim they contacted you and collections will yell and scream at you and claim that you owe them money, even when you made your payment. Do not trust these guys!

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation