milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07/21/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with LAMONT HANLEY & ASSOCIATES INC (CA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: After recently reviewing my credit report, I found that there is a collection reported by XXXX that has a date opened on XXXX 2010 and no date of last activity is listed. The amount is for {$290.00} and the creditor is Lamont Hanley & Associates. This debt is over 4 years old and the date of last activity could very well be 4 years as well. The statue of limitations in the state of California for reporting debt is 4 years. This company is in violation of that statue. Also, since there is no date of last activity, I do not know if I owe this amount or if the debt is verifiable. Also, I do not know if this company is licensed to collect debt in my state ( California ). I am requesting that this debt be removed from my credit report immediately.

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 11/19/2015 about Debt collection (Credit card) with Atlantic Credit & Finance, Inc. (NY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: On or about XXXX of 2015, I started to receive request for payments to which I disputed based upon claims of stolen ID THEFT.However, XXXX XXXX XXXX ATLANTIC CRED continued attempt to collect a debt that I do not owe. I personally contacted ATLANTIC CRED and disputed the validity of the debt. I personally requested that ATLANTIC CRED to perfect security interest and VALIDATE the DEBT by providing me with " Certified BILATERAL CONTRACT " obligating me to this debt with the " ORIGINAL CREDITOR '' NAME ; ADDRESS and unpaid invoices under FDCA. To this date, ATLANTIC CRED has failed to be in compliance of FDCA, thus, unilaterally without just cause continued to violate my civil rights causing and preventing me from securing good paying job, adequate housing and/or obtaining new credits.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/16/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: To Whom it May Concern : I am writing to update/correct my personal information on file with XXXX, TransUnion, and XXXX. Please update my address to : XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, NV XXXX. Please update my name to : XXXX XXXX XXXX. My only social security number is : XXXX My only employer is : XXXX XXXX XXXX. I do not wish to have any telephone numbers on my report. Please remove all the other addresses off my report, as they are not deliverable to me by the U.S post office, and they are not reportable as per the FCRA, since they are inaccurate. Thanks, XXXX 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 non-monetary relief
Consumer complaint received 04-11-2016 about Debt collection (Medical) with Remex, Inc. (NJ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: lab bill sent - lst time receiving any bill now stating collections dept of justice federal investigation into allegations of fraud, conspiracy and physician kickbacks between XXXX labs and my XXXX physician. I am disputing theses debt because I do not owe them. the office of my XXXX physician voluntarily elected to send my XXXX to creditors XXXX labs I never enterd any XXXX contract or agreement with them .upon the submission of my health insurance card to my physicians office it becomes their responsibility as network provider to submit any services to the appropriate in network lab. any practice to submit to out of network lab was beyond my control and was without my authorization

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 02/14/2018 about Mortgage (FHA mortgage) with JPMORGAN CHASE & CO. (LA).
Issue: Struggling to pay mortgage

Complaint: I get daily phone calls from the same number ( XXXX ). This number is from Chase Mortgage. If I answer the call it will automatically hang up on me, and then calls me back later in the day. I have spoke with Chase about the calls and they claim they will not stop.

Company response to consumer: Closed with explanation
Consumer complaint received 05/31/2015 about Prepaid card (General purpose card) with AMERICAN EXPRESS COMPANY (FL).
Issue: Unauthorized transactions/trans. issues

Complaint: On Saturday XXXX/XXXX/2015 there were XXXX ATM transactions made to my SERVE prepaid card, A card issued by some branch of AMERICAN EXPRESS. The transactions were for {$200.00} each for a total of {$400.00}, On XXXX/XXXX/15 I went on-line saw the error and immediately reported it to the XXXX, They sent me a fraud affadavit I filled it out and returned it on the XXXX/XXXX/15. on the same day XXXX/XXXX/15 I got an email stating that the dispute was denied and my account had been closed. It also says I have the right to any documents they may have relied on in making there decision. So I called and said I did not make the transactions and i did not know anything about them. i still have my card and i never gave anyone my card info or my PIN number. They Would not tell me how they came to there decision or give Me the documents they used. They dont even know what bank they are no one there will tell you anything. They will never let you talk to a supervisor, they put me down for a call back and I never got XXXX. 

I feel like they are just trying to strong arm me by telling me there decision is final, I do not think that they did any kind of investigation. and they definitally do not have anyproff that says i am responsible for the transactions Because I know i did not make them. 

Please help i am out {$400.00} plus some fee they charge every time the card gets used at an ATM. 

They are not following the law, they did not prove anything they are just trying to say it is my fault with no proof and that is not fair.

Company response to consumer: Closed with explanation
Consumer complaint received 09-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (IL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Hello, RE : Credit Bureaus Reports Issues : -Information is not corrected and explained in plain language. ( For example : Balances, old accounts listed ) -XXXX does not provide me the opportunity to " dispute online ''. 

On XXXX, 2017, I became a member through XXXX to have easy access " online '' to the 3 Credit Bureaus. I am enrolled. My purpose is to make sure my reports are accurate. 
- XXXX does not allow me to dispute " online ''. Why? I do not know. No answers about it. I sent written " disputes ''. Results " Unfinished Business ''. No corrections made. 

The 3 Bureaus do not sent explanations of what specifically was " corrected ''. It seems to me the 3 Bureaus take a generic letter of " acknowledgement letter '' and help yourself. 

Still, I see the same incorrect information listed. Then, the frustrated cycle continues. 
In particular, after the back and forth " TransUnion '' keeps listed in my report that I have a " Balance for {$25000.00} with XXXX  XXXX initial balance for a new car at that time. Also listed as REPOSSESSION. It was my " Voluntary '' Request to XXXX XXXX '' to pick up the car. I wanted to refinance the loan. No success. Which it was paid off and included in a Chapter XXXX Bankruptcy. Now, " DISCHARGED '' since X/XX/2017. 
- I asked and presented specific details to the 3 bureaus to update my balances. It seems to me the 3 bureaus are very concerned about collecting money by selling their products and in exchange they provide the customer a very poor quality work. Please advise. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 08/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (DE).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: I opened an auto loan on XX/XX/XXXX with XXXX bank for a XXXX XXXX XXXX XXXX The car was repossessed in earlyXX/XX/XXXX and I brought the loan up to date within a week. I finished paying the balance on my {$23000.00} loan in XX/XX/XXXX. I have disputed having the status as reinstated repossession numerous times with XXXX, XXXX, and Experian. My last negative account activity was beyond 7 years ago, but they will not remove the status. This is causing my XXXX and Experian FICO scores to be over 80 points lower than my XXXX. I am a member of XXXX and have found that this status is what is causing the lower score because the negative information is listed with an unknown date. After speaking with supervisors at both credit agencies and XXXX, I 've been told that this negative information will show until XX/XX/XXXX. They say the account is positive because it shows paid in full and closed. They will not remove the status because they said it reports accurately even though the negative activity was over 8 years ago.

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 06/14/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Razor Capital, LLC (MI).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I 'm being sued by a predatory debt collector .they claim to have purchased a debt that they say is mine. They claimed to have purchased debt in XX/XX/2016 and are suing me as of XX/XX/<YYYY> XXXX. I never had this debt, it has never appeared on my credit report before.the dates they give place me living with my parents at the time and I did n't have a utility bill in my name while living with them

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/14/2016 about Consumer Loan (Vehicle loan) with HYUNDAI CAPITAL AMERICA (LA).
Issue: Managing the loan or lease

Complaint: I have contacted kia finance 5 times. I kid you not 5 times. every time they say my payment has been added to the end of my loan but I need to sign paperwork. It has supposedly been mailed twice and faxed twice. Still have not received it. I am about to take a hit on my credit report because of this

Company response to consumer: Closed with explanation
Consumer complaint received 02/16/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with BANK OF AMERICA, NATIONAL ASSOCIATION (NY).
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint: The minimum payment amount for my credit card changed without notification which meant that my scheduled payment did not suffice the minimum. I was then charged a late fee for payment and my minimum payment increased again, I assume because of this " late payment '', all without notification. The late fee pushed my balance over my credit limit and the insufficient payment meant my credit score was affected by the " delinquency ''. During this time, before was aware of this situation, I applied for a personal loan to consolidate this credit card debt to get a better interest rate and stable monthly payment, which would make it easier for me to pay off the debt quickly, and was denied because of this " delinquent payment '' which I don't have any other history of, to my knowledge. Bank of America does not offer a function which allows for you to just always pay the minimum, whatever that may be each month, therefore making their automatic bill payment function basically useless. Also, the late fee I was charged without being notified, which would have allowed me to rectify the payment amount, was more than my minimum payment had been. If they had simply notified me of the increased minimum payment amount I could have covered it and avoided all of this.

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 02/20/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EXETER FINANCE CORP. (FL).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I refinanced my vehicle with XXXX XXXX XXXX, signed contract date of XX/XX/XXXX. I returned all of the properly signed documentation required to them via XXXX on XX/XX/XXXX. 

Through a credit monitoring service I found out that my credit score dropped 78 points due to a " missed payment ''. My score went from XXXX to XXXX. I have worked diligently on building my credit up and have NEVER missed a payment. 

Through research I found out that Exeter, my previous auto loan lender, was reporting the late payment. I have never been late on a payment the entire time I was financed with them. After further research I found out that XXXX XXXX XXXX sent in the payoff EXTREMELY LATE on XX/XX/XXXX. I had already made my first payment on my new account to XXXX XXXX before they even sent in the payoff to the old company. ( I attached the USPS tracking XXXX showing when they mailed the payoff. ) I called Exeter and they are unwilling to remove the late payment. They advised me to contact XXXX XXXX to get it straightened out since they were the ones that sent in the payoff late. 

After 6 calls to XXXX XXXX I am now filing a formal complaint. XXXX XXXX will not take responsibility for sending in the payoff late. They advised me every time that I called that it is MY responsibility to get Exeter to remove it from my credit report. On 2 different occasions I was told a manager would contact me. Finally a manager called to get the whole story and said he would get with his people and call me back. That was XX/XX/XXXX and I have not heard from them since. 

This late payment needs to be removed from my credit report since it was beyond my control and absolutely not my responsibility or fault.

Company response to consumer: Closed with explanation
Consumer complaint received 03/16/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with EOS Holdings, Inc. (OH).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I receive 5-6 calls a day from this company stating I owe a debt from an XXXX wireless phone bill. I have told multiple people that I do not owe this bill. I settled the account And paid it off in XX/XX/2012. I have asked this company to send me a formal letter so that I can respond with proof I paid this off. I received a copy of a random bill with nothing else stating they were collecting on this debt. I have called multiple times and ask that they mark this account as a dispute. I have provided proof this was paid in XXXX so 5 calls a day is a little excessive.

Company response to consumer: Closed with explanation
Consumer complaint received 04/20/2017 about Mortgage (Conventional fixed mortgage) with AMERICAN EAGLE MORTGAGE COMPANY (SC).
Issue: Loan servicing, payments, escrow account

Complaint: I was not notified that my mortgage had been sold and transferred.

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 01/13/2016 about Bank account or service (Savings account) with DISCOVER BANK (CA).
Issue: Account opening, closing, or management

Complaint: I opened an discover bank saving account with a promotion code of XXXX. 
The promotion is {$100.00} bonus when I make {$15000.00} deposit by XXXX XXXX, 2015. I did make enough deposit by that deadline. However, months passed, but there is no bonus awarded. I contacted Discover bank several times, they always say they will check it and it would take more than one month to give me feedback.

Company response to consumer: Closed with monetary relief
Consumer complaint received 06/19/2016 about Bank account or service (Checking account) with U.S. BANCORP (OH).
Issue: Problems caused by my funds being low

Complaint: I had a checking account from before I was XXXX XXXX XXXX until now with U.S. Bank. Normally US Bank has been very good with taking care of any issues that arose but this time they were not. I truly do n't think I have ever overdrafted my checking account before this past year ( maybe once ) but either way it happened for a total of XXXX. I did n't even realize it until I got a letter in the mail. I went straight to the bank to deposit some money the minute I saw the overdraft and I saw I already had multiple fees on it when the letter that was sent to me that took XXXX business days to receive didnt have any attached. Knowing that the bank has always taken care of me and my family I called them and they told me they had nothing they could do. Each time fees keep adding on each week I talk to multiple people via a website inquiry and it takes days and days to be responded. FInally the total reached XXXX and the account was closed and sent off. After I begged and begged to get this fixed a person finally responded to me again saying she was sorry but already sent off to internal collections which took 9 days to receive. I fully take the blame here for the $ XXXX that I overdrafted by accident but not giving me an adiquite amount of time to pay it is bad business practice.

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 08/23/2016 about Credit reporting () with Experian Information Solutions Inc. (IN).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: I have attached the letter from Experian and I have asked them to remove XXXX XXXX for years. Additionally XXXX XXXX is trying to collect on a XXXX XXXX credit card that was paid, I have no idea how this happened as we continued to pay on some cards after the Chapter XXXX was filed ( which discharges credit card debt as a requirement ) but we chose to continue paying on the cards, our boat, car, etc .... 
After numerous attempts and written requests to Experian we are asking that Experian change its attitude as they need to be willing to reach out and verify information no matter how many times I request it. 
Again, ALL XXXX XXXX debts, including our car loan we had with them, were satisfied. 
Experian is by far the worst, the other XXXX reporting agencies are polite and helpful. 
Thank you.

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 01/24/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: I am disturbed that the Credit Bureaus XXXX and TransUnion continue to list the bankruptcy that was Voluntarily discharged on XXXX XXXX, 2017 as confirmed in my credit profile. It is their policy to keep reporting bankruptcies that are adjudicated for ten years, but the Fair Credit Reporting Act, Section 1681c, mentions nothing about dismissals or fillings. The Law clearly states from the " date of adjudication '' or " date of order for relief. '' Any case, whether civil or otherwise, the bankruptcy no longer exists in the eyes of the law once dismissed, and never adjudicated. This is nonexistent information that should not be kept as public information. I am requesting that the Bankruptcy information is deleted from my Credit Reports and I request that a updated copy of my reports to be sent to me when the action is complete. I would appreciate a response on this matter within 14 calendar days.

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 09/25/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (GA).
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint: I have a capital one credit card, they are charging me 26 % interest on the card. I have called them and asked that they reduce my interest to single digit interest or at least 12 % they have refused. This is absolutely criminal. America should be ashamed to allow Capital One to say they are helping someone to restore or build credit then gouge or roguely take advantage of good customers. I have never missed a payment and always pay more than the minimal required payment. Oftentimes, paying out or 2x - 4x times more to get rid of the debt. All customers who are at risk of these money rogues should complain by writing letters, going on XXXX and any other modern form of communication possible, to get the attention of these capitalistic lenders.

Company response to consumer: Closed with explanation
Consumer complaint received 05/30/2016 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (NY).
Issue: Loan modification,collection,foreclosure

Complaint: XXXX, Wells Fargo and their servicing company, America 's Servicing Company, have refused to process and provide information regarding my Making Home Affordable mortgage modification application. After submitting my application on XX/XX/2016, with all supporting documentation and information, ASC refuses to communicate with me or my representatives about my application, and has put my property up for a sheriff 's sale on XX/XX/2016. 

XXXX and Wells Fargo are legally required to stop foreclosure proceedings while my application is considered. They have refused to do that.

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 11/28/2017 about Debt collection (Credit card debt) with ENCORE CAPITAL GROUP INC. (IL).
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint: Between XX/XX/XXXX and XX/XX/XXXX, XXXX XXXX XXXX contacted my wife about a debt I owe. During this contact, they discussed specific details of my debt with my wife. It is my understanding that this communication is a direct violation of the FDCPA. 
" 15 USC 1692c 805. Communication in connection with debt collection ( b ) Communication with third parties '' Simple research on the internet will show that this company has a history of violating the FDCPA, including multiple class actions.

Company response to consumer: Closed with explanation