milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Avant Credit Corporation (FL).
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: To Whom It May Concern : I have recently been informed that there are negative information reported by XXXX XXXX XXXX in the amount of {$XXXX} with status of charged-off, amount of {$XXXX} with charged off status, amount of {$XXXX} with charge off status, amount of {$XXXX} with charge off status, Avant INC with {$XXXX} balance with XXXX late status opened XXXX XXXX, XXXX, and XXXX XXXX XXXX with {$XXXX} balance with charge off status opened XXXX XXXX, XXXX on my credit file they maintained under my Social Security number. I sent XXXX XXXX XXXX, Avant INC, and XXXX XXXX XXXX letters in XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX asking to provided documented proof, bearing my wet signature, showing I consented to the inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. I also asked XXXX XXXX XXXX, Avant INC, and XXXX XXXX XXXX to provide me proof of the signed contract and copies of any documentation associated with this account, bearing my signature which they claim the account belongs to me. Furthermore, I formally asked XXXX XXXX XXXX, Avant INC, and XXXX XXXX XXXX that In the absence of any such documentation bearing my signature, I formally request that the information be immediately deleted from my credit file they maintained under my Social Security number. XXXX XXXX XXXX, Avant INC, and XXXX XXXX XXXX as of XXXX XXXX XXXX, still has not provided me with any documentation or contracts, bearing my wet signature, showing me proof that I consented to them running any inquires or having a contract with them for what they say belongs to me. I was told by XXXX XXXX XXXX, Avant INC, and XXXX XXXX XXXX that they do n't have to show me any proof and that I heeded to take it up with the Credit bureau to get it removed. When requesting documented proof of the contract and asking to show proof I consented to having XXXX XXXX XXXX, Avant INC, and XXXX XXXX XXXX run inquiries, bearing my wet signature, XXXX XXXX XXXX, Avant INC, and XXXX XXXX XXXX sent me billing statement stating that this was verification I requested which is false and they said it was proof. I never asked for billing statement because that 's still not showing any contract or documented proof, bearing my wet signature, that they was authorized to run an inquiry or even prove the account is even mine. This is wrong and when I asked the question to where does it say in the FCRA that you do n't have to show me proof, they could n't tell me and only said that it was in FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 09/17/2015 about Debt collection (Credit card) with CAVALRY INVESTMENTS, LLC (CA).
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint: I feel very disappointed because of a debt that now has affected my property with a lien on it with a summons I never authorize. Who ever took the summons documents never notify me so that I can negotiate with Calvary Portfolio. I feel violated of my rights under the Fare Debt Collection Practices Act and need an immediate answer.

Company response to consumer: Closed with explanation
Consumer complaint received 07/19/2016 about Credit reporting () with Experian Information Solutions Inc. (MA).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: I am a financial coach. Yesterday ( XXXX/XXXX/2016 ) I met with a client who was turned down by his credit union for a credit card, based on the CU 's review of his Experian credit report. We went to experian.com and tried, unsuccessfully, to obtain a free credit report based on denial of credit. He then tried by phone, going through a lengthy series of questions - including verification that he was requesting the report due to denial of credit. He got to a point that the only next step offered was to enter credit card information to be charged {$7.00} for the credit report. I later tried myself, using an alternative phone number from experian.com, and had the identical experience - same questions, same demand for the {$7.00} payment, same absence of any way to speak with a real person. I paid for the credit report with my own credit card so that my client would receive a report in the mail, and later called Experian to explain the problem and dispute the charge. ( How I connected with an actual person is another story. ) I spoke with a representative who said she would report the phone system problem and refund the {$7.00} charge on my credit card. I am reporting the problem to the CFPB to improve the chances that Experian will address the problem. ( The identifying information provided in the next step is my own, not my client 's, as I do not have his permission to use it in this context. )

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 06/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (IL).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: please refer to complaint # XXXX. XXXX admitted fraudulent use of my identity regarding the XXXX XXXX  application ; I was told in writing that the fraudulent inquiries would be removed from the 3 CBs ; not only the inquiries were not deleted, but, there was an additional unauthorized inquiry by XXXX dated XXXX/XXXX/2017. What 's going on? Why is XXXX keep doing this ; who in the credit department is using my identity. There is fraud here and needs to stop immediately and the fraudster in the credit department arrested!!!!!!!!!!!

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 03-05-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (IL).
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 submitted a dispute with Experian on XX/XX/2018 for my accounts to be properly verified and once verified. However, they have still not identified who their company verified the accuracy of these accounts, or how they verified them? Nor have they provided the physical proof of such verification. Under the FCRA section 616 and 617 it's Experian responsibility to authenticate the documents their files that were used to verify the disputed 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 05-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Automotive Credit Corporation (DC).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I refinanced m y   XXXX   XXXX   XXXX   XXXX  .T hat was financed with  Automotive Credit Corp  in     XX/XX/XXXX .In  XX/XX/XXXX , I fell  on some hardship after maki ng 26 current/ok payments.I ended up also, totaling my vehicle.Became homeless for a few months, and was in between jobs.I ma de a payment in   XX/XX/XXXX .T hat was n't updated to the Credit Bureaus that Automotive Credit Corp . reports to.One  of the criteria for Automotive Credit Corp.agreeing to refinance my payment agreement.I had to   make a {$100.00} payment towards my previous account  XXXX . Before opening a new account with my new refinanced account  XXXX  .Automotive  Credit  Corp.is  reporting my account as a 120 days past due in   XX/XX/XXXX .W hen I made a payment  in  XX/XX/XXXX  as  instructed by Automotive Credit  Corp.which t ook my balance down.Upon opening the new account  XXXX  that decrease is reflected on the new account.In the CRA  manual in which the curr  ent st atus is clearly defined as a snapshot of the account status as of their last reporting.Which was n't reported correctly or timely to the Credi t Bureaus.Automotive Credit Corp has a statutory requirement ( FCRA 623 ( a ) ( 2 ) ) to update any prior reporting so as  to maintain its accuracy. Their prior current status of delinquent is no longer accurate.My status should be pay as agreed/ok, closed/paid/refinanced to the following Credit Bureaus :  XXXX , and  XXXX .

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/24/2015 about Consumer Loan (Vehicle loan) with BB&T CORPORATION (NC).
Issue: Problems when you are unable to pay

Complaint: They use terrible practices when trying to collect pass due payments. You advise them about paying the past due amount and they tell you " no you owe me double the amount '' but my next payment will not be due at that present time. They leave unprofessional voice messages and threatening messages, they sent emails to my job after I told them not to contact me at my job. I choose not to speak them because they are not willing to help. They have employees trying to hit there monthly numbers regardless what it takes. I will seek an attorney for these unprofessional practices.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: According to my report this account from XXXX was previously removed from all 3 of my credit file. Now without knowing and knowledge this company has sold this account to another collection agency and is reporting on my file. This is a illegal act.

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 04/13/2017 about Credit card () with SYNCHRONY FINANCIAL (NC).
Issue: Other

Complaint: Despite being paid in full, Synchrony Bank continues to report to XXXX, XXXX, and XXXX that I have an unpaid balance with Lowes. I have a paid in full letter from Synchrony Bank, and have sent a copy of this letter to the credit bureaus, but Lowes simply will not allow this account to update as paid. Synchrony Bank is holding my credit file hostage by not reporting accurate information.

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 10/28/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (NC).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: I called Navient to ask why my loan amount had increased from XXXX to XXXX when I did n't make any changes on the loan. Navient told me I had selected in XXXX to go on a graduated repayment option. I asked for them to investigate because I never authorized any payment changes. I did tell them I wanted a forbearance at the given time and understood I would be charged interest for the time it was on forbearance. Then they proceeded to tell me I was on a " fixed '' interest rate. The customer service line gave me different answers everytime I called. I went online and starting doing research myself. When I looked on their website for a fixed payment option it did not exist. Only options were graduated interest only option. Looking at my loan amount it was $ XXXX. Exactly the amount I took out in XXXX initially. I know I attended some adiditional colleges for approximately XXXX. However with me paying my loans every month since XXXX and only missing XXXX full year in XXXX I should have had my loans down more. I could n't seem to get any help at all.

Company response to consumer: Closed with explanation
Consumer complaint received 05/13/2016 about Debt collection (Payday loan) with Integrated Recovery Services (TX).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint: I received a call from Integrated Recovery Services about a pay day loan that they were trying to collect on. XXXX XXXX and XXXX XXXX both called me on my work phone and told me that if I did not pay I would be arrested this Friday, and this would be a felony. I tried to make a payment arrangement but they started to make fun of me and continued to say I would be arrested. I am filing a complaint and and willl also be contacting the Texas Attorney General in reference to this matter since it is a violation of State and Federal law. I am also requesting that this company no longer contact me because of their deceptive trade practices.

Company response to consumer: Closed with explanation
Consumer complaint received 08-12-2015 about Mortgage (FHA mortgage) with CARRINGTON MORTGAGE SERVICES, LLC (FL).
Issue: Loan servicing, payments, escrow account

Complaint: Carrington Mortgage Services has " lost '' {$700.00} of payments that I have paid towards my mortgage. They are considering me late and charging me monthly late fees. I have contacted them numerous times, provided copies of cashiers checks with no resolution. The " history '' they provided is so scattered it does n't clearly show me where the funds the were applied. Either they have violated RESPA with overfunding my escrow account or they have misapplied my mortgage payments.

Company response to consumer: Closed with explanation
Consumer complaint received 08-11-2017 about Checking or savings account (Checking account) with BMO HARRIS BANK NATIONAL ASSOCIATION (UT).
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint: I opened an account at the end of XXXX 2017 under a promotion where if I had 2 direct deposits from my employer of {$300.00} or more I was to receive {$200.00} within 120 days of account opening. The website also mentioned that if I applied online this promotion would automatically be applied. I met the terms of the promotion within several weeks from my paycheck, I work for the XXXX XXXX and allotted {$300.00} per paycheck to this account. The 120 days has came and went with no bonus. I called the bank and after waiting a half hour on hold, they told me to keep waiting and if I met the terms it will eventually show up. That response was open ended and ambiguous, and just plain unacceptable. I certainly believe I met the terms of the promotion and the bank has not kept its end of the deal.

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 09/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XXXX, XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XXXX/XXXX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I 've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in XXXX XXXX closer look, this was due to inaccurate information on credit report ; mine. My XXXX id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I 've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXXXXXX XXXX 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 08/17/2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint: I am receiving calls at XXXX XXXX from navient, however their website states that they close at XXXX and they are calling at XXXX. These calls come from different numbers.

Company response to consumer: Closed with explanation
Consumer complaint received 05/25/2017 about Checking or savings account (Checking account) with SANTANDER BANK, NATIONAL ASSOCIATION (MA).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: On   XXXX   XXXX   @  XXXX , I went to the Santander Bank located at   XXXX   XXXX   XXXX   XXXX   XXXX  , Massachusetts. I went to the drive up window to DEPOSIT my Federal tax refund check to my checking account. About 2 minutes went by and the teller stated she could not cash my check since the check had my name and my wife name on it, I replied "I DONT WANT TO CASH IT< I WANT TO DEPOSIT IT". She stepped away and the manager came to the window and she also stated "WE CAN NOT CASH THE CHECK WITH OUT MY WIFE". I replied I DONT WANT TO CASH IT I WANT TO DEPOSIT IT. She said it did not matter she had to be present or have her name on the account. At this point I was very frustrated and asked for the check back and told her I have done these transactions before with no issues, Also what if my wife was disable and I could not get her to show up just to show ID or what ever she was looking for, Or I would just use the ATM? I got no answer from her so I asked for her business card and told her Im going to contact her upper management about this matter. I drove away and contacted Santander Bank and waited on hold for 45 minutes before hanging up the call since I could not wait any longer. I looked up there policy on depositing checks and it states as long as the check is endorsed it will be deposited with a hold on the funds until the check clears, Which I am fully aware of that policy, But to drag my wife to the bank to DEPOSIT a check  ? I could have deposited the check at the ATM or with the mobile App, But went to the window and got nothing but bad service which the bank promised in there adds and other media sites along with there mailers I receive once a week. The bank needs to look into this matter as I will not hesitate closing my account and taking my business else were, were tellers and bank managers are better educated on there policy in servicing customers. This matter has stoped me from using this bank for services pending the out come of this matter.

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 03-07-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Hunter Warfield, Inc. (NC).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: They call daily ( in the morning ) and sometimes multiple times during the day ( as late as XXXX ). Either they wo n't leave a message, they talk very suspiciously, or there 's complete silence on the line when I try to communicate with them.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 07/19/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: a tax lien was issued for property not located in XXXX county. The personal watercraft was purchased in XXXX, bout subsequently transported to XXXX. it was not stored or used in XXXX county, XXXX. tax lien was vacated immediately vbut the lien release continues to reside on my credit report. 

lien release was based upon incorrect information, e.g a Tax Notice on property outyside the county of XXXX. Lien on out of state property was void, Because no lien was perfected on personal pro recordation of ; Lien Release should not be reported to credit bureau and allowed to diminish credit score as if valid. 

LIEN WAS PAID UNDER PROTEST TO AVOID THIS OUTCOME.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (UT).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint: I pay for XXXX XXXX XXXX through Experian and when I pull my report i get a XXXX score, then I go to buy a car and the dealer pulls the same Credit report from Experian and they get a XXXX score. The information belongs to us and I am paying for the service just as the car dealer, but they get a report with a credit score about 100 points higher. Why should I not get the same score.

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 05-04-2017 about Debt collection (Credit card debt) with DISCOVER BANK (WI).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: I have a Discover credit card. It has been delinquent and I received several voicemails asking me to call or to go online and make payment arrangements on or before end of  XXXX ,   XXXX   or the account would be charged off. I made a payment plan arrangement online before the deadline. When I went online this week ( week pf  XXXX   XXXX  ) to check on status, I was unable to login as my account was in " special status '' and I was instructed to call  XXXX , which I did. After a run around, I was told my account had been transferred to another division of  Discover  and told to contact them at  XXXX , but also told they were closed at  XXXX  cst ( it was  XXXX  cst when I first called  Discover   ).   Meanwhile, my father had received a call from a debt collector at  XXXX  cst today - we presume a debt collector as they did n't identify themselves, but a reverse phone check of the number (  XXXX  ) revealed them to be a firm called  XXXX   XXXX  - a firm neither my father or I had ever heard of before. I mentioned this name and number to the Discover rep and they were n't aware of the cos or if the management of my account has been transferred from Discover to  XXXX .

Company response to consumer: Closed with non-monetary relief