milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
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: I feel my rights under FCRA has been violated due to being denied copies of documents that were supposedly used to validate accounts and public records on my credit files. Ive been trying to resolve multiple negative accounts on my credit report. I 'm a  XXXX   XXXX  veteran, which suffer from getting help with certain services due to inaccurate reporting-which is hurting my credit scoring. After several requests to provide documents to validate the debt below, Ive been denied copies. I feel my rights under the FCRA have been violated  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , TX  XXXX  Balance : {$19000.00} Last reported  XXXX   XXXX  , 2017   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , WI  XXXX  Balance : {$5400.00} Last reported  XXXX   XXXX  , 2017     XXXX   XXXX   XXXX   XXXX    XXXX    XXXX   XXXX , TX  XXXX  Balance : {$4400.00} Last reported  XXXX   XXXX ,2017  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , TX  XXXX  Balance : {$55000.00} Last reported  XXXX   XXXX  , 2017     XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , TX  XXXX  Balance : {$23000.00} Last reported  XXXX   XXXX  , 2017   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , TX  XXXX  Balance : {$17000.00} Last reported  XXXX   XXXX  , 2017      XXXX   XXXX   XXXX    XXXX   XXXX   XXXX   XXXX   XXXX , NY  XXXX  Balance : {$2200.00} Last reported date  XXXX   XXXX  , 2017    XXXX   XXXX    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , IL  XXXX  Balance : {$840.00} Last reported date  XXXX   XXXX  , 2017

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 07-09-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with ENCORE CAPITAL GROUP INC. (KY).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: 1. This collector has repeatedly and falsely reported the alleged debt as new. 

2. This collector has rejected my efforts to resolve the debt in accordance with the law. 

( These options were not listed in the drop down menu. )

Company response to consumer: Closed with explanation
Consumer complaint received 09-01-2016 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: i have repeatedly told portfolio recovery that this debt is not mine and have received numerous phone calls and letters and have requested copies of charge slips or original agreement with XXXX bank or XXXX XXXX bank which is supposed to be the original creditor, and as of this writing have not received anything

Company response to consumer: Closed with explanation
Consumer complaint received 11/29/2016 about Bank account or service (Checking account) with KEYCORP (NY).
Issue: Account opening, closing, or management

Complaint: I Open a New Account With Keybank XX/XX/2016. and for some reason keybank froze and locked my new account on XX/XX/2016. because i have a previous balance with XXXX and its affecting my credit score with all Bank i the US. and i made a deposit of {$320.00} dollars on the new account i open with keybank. and this issue is coming from the previous account i had in the pass with XXXX that was send into collection charge off. i am currently on a process on having my credit fix with XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 10/17/2017 about Debt collection (Auto debt) with SANTANDER CONSUMER USA HOLDINGS INC. (TX).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: XX/XX/XXXX : Called the 4th time and I returned the call in which I asked for the XXXX guy who keeps reaching out to XXXX XXXX. I did n't reach him, but I explained this was n't the person number they were looking for and to drop the number. They said it will be taken care of. 

XX/XX/XXXX : Call after the 5th time and I tried to reach out to the company through the directory and that number does not allow me to talk to a representative anymore, it just disconnects.

Company response to consumer: Closed with explanation
Consumer complaint received 08/30/2016 about Credit card () with SYNCHRONY FINANCIAL (CA).
Issue: Credit determination

Complaint: Should n't companies like Amazon who uses Synchrony Bank to issue their credit cards use the XXXX credit bureaus in checking credit reports? This bank - Synchrony Bank did not use the credit report of the XXXX credit bureaus but instead uses this company when consumers apply for an Amazon credit card. 

XXXX XXXX XXXX XXXX XXXX XXXX, PA 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 07/27/2017 about Debt collection (Credit card debt) with Experian Information Solutions Inc. (TN).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: I am contesting the account with XXXX/XXXX XXXX It is an account that was opened without my consent. It is showing a balance of {$440.00} with a {$250.00} credit limit. Experian is stating on their report that it is even late and over the limit with a 176 % usage. I need Experian and XXXX/XXXX XXXX to correct this account on my Experian report. I should not owe XXXX/XXXX XXXX anything since the account was opened and used without my consent, and I have been a victim of idenity theft. Please correct this on my Experian report it is showing negative remarks. I am trying to refinance my home a I can not until this is removed from Experian Report and corrected. Please remove. It has been corrected on my XXXX and XXXX reports, too.

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 07-06-2016 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (NY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FTC Complaint XXXX XXXX : Complaint against : ( 1 ) Asset Acceptance LLC XXXX XXXX XXXX XXXX, XXXX, MI XXXX ( 2 ) XXXX XXXX, XXXX and XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, NY XXXX ( XXXX XXXX XXXX XXXX XXXX, 1. XXXX Bank issued me a XXXX XXXX Card XXXX upon which I obtained loan in the amount of about {$15000.00}. The balance as of XXXX XXXX, XXXX was {$16000.00}. 

2. XXXX Bank assigned the debts to an Assignee Asset Acceptance LLC without any intimation to me. 

3. On XXXX XXXX, XXXX, Assignee instituted action by their Attorneys claiming {$33000.00} without stating as how they arrived at {$33000.00}. The summons was served upon a non-existing " Fictitious person ''. A default Judgment was passed behind my back on XXXX XXXX, XXXX for {$35000.00} and interest. 

4. The affidavit of merit does not contain any evidence of proof of claim. Neither Defendant 's account nor copy of the Assignment is annexed. 

5. On XXXX XXXX, XXXX Sheriff 's income execution was levied for {$38000.00} which included interest of {$500.00} and compound interest which was illegal. 

6. On XXXX XXXX, XXXX I made an Application Pro Se to the Court to vacate the judgment, to stop garnishing wages on the ground of non-service of Summons or any document in this action. The Response does not deny non-service of summons. On XXXX XXXX, XXXX the XXXX was granted only to the extent that the income execution was stayed from the date of the Order. 

7. On XXXX XXXX, XXXX, I filed Pro Se subsequent XXXX to vacate the judgment and income execution on the ground of non-service of Summons or any document in this action which met with the same fate. This time the claim had increased to {$45000.00} and was denied. 

8. Appeals to the XXXX Court were also denied because they were not perfected as I filed Pro Se as I was financially crippled and a Motion to reargue was also denied 9. The payments made by me were illegally appropriated towards interest whereas principal amount went on sky rocketing. InterestXXXX30.5 % compounded continues to be charged even after judgment although the judgment provides for 9 % as a result I will be paying the amount of {$600.00} per month throughout my life as if I am a bonded labor, working for free of charge for Assignee. I have paid more than {$50000.00} but the amount continues to increase. No satisfaction of the Judgment is recorded for the payments obtained from me after the judgment. 

10. I Appeal to you to hold an enquiry against all the parties, take appropriate action, cancel their licenses after hearing and discharge the claim against me as fully satisfied. I am prepared to place these facts by affidavit and also testify to the facts mentioned above and produce all documents in original. I can send you my Complaint in detail by mail because my electronic complaint is restricted to XXXX spaces.

Company response to consumer: Closed with explanation
Consumer complaint received 07/14/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: the credit cards companies : XXXX XXXX XXXX and XXXX XXXX not provided to Trans Union credit bureau updated information and Trans Union credit bureau refused to request on their own same data from my both credit cards accounts which I paid off completely a few months ago, so it is badly hurt my credit scoreI got XXXX on XXXX and only XXXX on Trans Unionsame thing my husband has and it looks like the credit bureau not fulfill its obligation to collect and to provide all accurate and up to date information

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/30/2015 about Mortgage (VA mortgage) with Dovenmuehle Mortgage, Inc. (LA).
Issue: Loan servicing, payments, escrow account

Complaint: In XX/XX/XXXX I purchased a home in XXXX XXXX with my VA loan financed through XXXX and serviced by Dovenmuehle Mortgage. I purchased Flood Insurance from XXXX with {$170000.00} Building & XXXX contents and a premium of {$1900.00} per year. On XX/XX/XXXX XXXX mailed a renewal notice to my lender. My lender, at its sole discretion, chose option B on the bill and purchased additional coverage without my consent. I did not catch this until XXXX when they tried to raise my mortgage payments. 
XXXX said they are required to provide XXXX options by XXXX. I think this is unethical. 
When I called XXXX the XXXX time they just told me the premium increased. They did not tell me they purchased additional coverage instead of renewing the policy I already had. They chose option B which is {$190000.00} building, {$26000.00} Contents with a {$2100.00} premium. I NEVER Authorized them to add coverage. When I questioned them more they told me it is their standard operating procedure to " pay the highest premium on the bill ''. Again, this is unethical. The way I see this is XXXX is mandating bill 's to be sent with an option to increase coverage, mortgage companies are " automatically '' purchasing the increased coverage, and the Insurance companies are getting rich off unsuspecting customers that trust their mortgage company is doing the right thing instead of padding their books and policies. This was not a force placed policy. It was only a renewal.

Company response to consumer: Closed with explanation
Consumer complaint received 11/22/2016 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (MI).
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint: In XXXX, my XXXX Credit card was stolen or lost. I attempted to report this. I continued to receive bills for the full amount. I was willing to pay the portion I was responsible for, but not the amount charged after my card turned up missing. 

After several attempts to resolve the issue with no resolution, I stopped making payments on the account. 

In XXXX, I started receiving harassing phone calls regarding this debt. I explained the situation and told the company I am contesting the amount of the debt. I would pay the amount I owed, but not the amount charged after the card was stolen or lost. 
The company ( Portfolio Recovery ) continued to harass me throughout XXXX. I sent a letter contesting the amount owed. 
They continued to harass me by attempting to call using at least a dozen different numbers. I eventually ignored the calls and refused to to speak with them because they refused to acknowledge my contested amount due. 

Now, in XXXX ( XXXX XXXX ), I received a letter from MY XXXX XXXX XXXX SON 'S bank stating that HIS funds were put on hold. My son has a XXXX. He is XXXX. He does XXXX XXXX. However, he did manage to graduate high school in XXXX of XXXX. There had been only XXXX deposit in this account, his graduation gift money. 
I am ONLY on his account for information purposes since it 's XXXX ( in person or on the phone ) with people he does not know, and since he does XXXX XXXX, I am ONLY supposed to be on this account to speak on his behalf when he is unable. 

I called the debt company this morning asking how we can resolve this issue and they were very rude and condescending. I was told that they would NOT take the hold off of my son 's account. I am in the process of providing proof that the deposit in his account is 100 % his money, none of it being mine. They still could n't guarantee that they would remove the hold or even " take '' all his money from the account. 

I then offered to send them the amount of the hold : {$590.00} ( even though this is a little more than what MY original charges were ) just to have them leave my son 's account alone. Again, they refused to remove the hold and will " take '' HIS money. 

I have two other bank accounts in MY name alone, and yet they go after my XXXX son 's account to remove ALL his money. This is simply not fair. I tried to resolve this with the company and they would not offer me any tangible solution for this issue. 
I 've done my research on this company and I found they have a pretty bad reputation as to their means of " attempting to collect a debt ''. 

Portfolio Recovery Associates XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, MI XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 03/19/2018 about Debt collection (Other debt) with ProCollect, Inc (MS).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint: On XX/XX/XXXX I contacted Pro Collect to see why they were showing up on my rental history as being owed a debt in which I know I included in my Chapter XXXX Bankruptcy filed case. I filed Chapter XXXX in XX/XX/XXXX in which I have since been discharged from this filing. Once again I contacted Pro Collect and asked why are they still showing that I owe for the XXXX XXXX XXXX and other company by the name of Sure Deposit which was also included in the Bankruptcy. I was advised that my account was restricted and to contact a gentleman by the name of ( XXXX XXXX ) via email. I was giving the email of XXXX and also advised that if and when he returns my call that I would need to answer because he will not call back. Meanwhile, I still did not receive a call back or email in reference to my issue at hand. I contacted the company again on XX/XX/XXXX for a follow up because I have yet to receive a resolution from the first attempt to inquire as to why this debt is still out there when it should indicate it was discharged through bankruptcy. This is causing a hardship on me because I'm trying to relocate and they will not allow me to reside in their dwelling until I show proof that I do not owe this debt to Pro Collect, The XXXX XXXX XXXX and Sure Deposit. I have yet to hear from this company and per the reviews for this company they have horrible service and XXXX XXXX is not a reliable source to handle the issue at hand. Therefore, I will exhaust all avenues until I get this issue resolved.

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 07/14/2015 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (FL).
Issue: Loan servicing, payments, escrow account

Complaint: Our loan was with XXXX, which was a horrible experience. we never been late and we 've always paid our property taxes. So we asked that no escrow account be set up. they proceeded to stick a XXXX. + charge on us and no one can explain the charges so we continued to pay ONLY our mortgage. NOW, XXXX companies later, and so many calls later, we are still trying to get this charge removed. We 're not able to get anyone at Nation star to help. I have copies of our taxes being paid the year they 're claiming. please help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02-01-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: There is a {$57000.00} auto loan, on my credit report from XXXX XXXX I have contacted them over and over again. I do not own nor have I signed for a XXXX truck, I asked them to remove the negative item off my credit report, because it is a error and fraud. They said, that they would investigate the matter and I didn't receive any update status etc. The collection account, is just remaining on my credit file and hurting my score and was in the process of doing a home loan and lost the loan, because XXXX, reopened the collection accounts investigation account and re-aged the collection account any score dropped 67 points. This is a case of fraud and poor accounting/bookeeping/poor management, on the part of XXXX. They should know without a doubt, whom they have sold a truck to for {$57000.00}. I never went into the dealership, gave my information, signed and agreement or contract, nor have I co signed or taken or received a truck from their company and it is causing me great hardship and harm. XXXX refuses, to correct their error, on my credit report. 

XXXX  transuinon and XXXX, are required to have a copy of all signed agreements /contracts in hand before reporting any accounts to the credit reports. This requirement, is in place, so that a account, can not be reported, without be verified and have sold proof, that the account actually belongs to the person, it is being reported for. 

There has been no validation/verification, because there can not be one completed as this is not my truck or debt and none of the parties are showing any professionalism and morals, by refusing to correct a clear and present error.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/26/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (MI).
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint: I have had few conversations with Capital One regarding my credit card. They have so many people calling from the executive office. I speak with someone and they tell me they will get back to me and never do. They randomly throughout the day as if they know that I am not at home. I have spoken to Capital One about the high interest fee on the second credit card that I did not want. I wanted an increase on the first credit card but Capital One denied the increase and stated that I had missed a payment even though my payment history was good. After I contact CFPB, Capital One only contacts me once about the matter of the extremely high interest and fees.They then send me paperwork in the mail in which I already can access on their website which does not solve my problem. The interest and fees are ridiculous!!! 

I would like to speak to someone more than once about this matter and finally come to a resolution!! Contacting me once and sending paperwork that I can access on the website does not solve this matter!!

Company response to consumer: Closed with explanation
Consumer complaint received 04/25/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with NAVY FEDERAL CREDIT UNION (WA).
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint: navy fe deral allowed my account to be compromised TWICE!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/13/2017 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (SC).
Issue: Account opening, closing, or management

Complaint: I was in the process of moving and discarded some old starter checks from a closed bank of America account. Someone retrieved the checks a tried to cash a check for {$600.00}. I was never notified by Bank of America they just reported the incident to XXXX as suspected fraud. I am not able to obtain a bank account due to this report. When I contacted Bank of America I was transfered to several all to be put back to the original rep that informed me there was nothing they could do to help me. I offered to pay the charge off amount of {$86.00}, but that request was denied by the rep.

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 07/16/2015 about Bank account or service ((CD) Certificate of deposit) with TRUSTMARK CORPORATION (MS).
Issue: Account opening, closing, or management

Complaint: I had a CD with trustmark in XXXX XXXX and my dad and I both were on it. My dad went in and took out a loan and used it as collateral the loan officer let him take the paperwork out to get " me '' to sign it and forged my name. It happened XXXX different times with XXXX different signatures. I went to the main trustmark in XXXX and the legal team told me that my dad was getting a loan to put the money back in and I was basically screwed until then. I could not understand why my money could be tied up with me coming into the bank and signing. After the money was put back into my account I went into a trustmark location and got a cashiers check for the amount minus the fee to close out my cd early. The next day, XXXX/XXXX/2015, I get a phone call from trustmark and they state they are putting a stop payment on my cashiers check because my dad withdrew some money out of it and they gave me too much. So now I am facing embarrassment with my bank who has never given me trouble or I have never had trouble with. It has become a big problem.

Company response to consumer: Closed with explanation