milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03-06-2017 about Debt collection (I do not know) with Taurus Law Group, P.C. (OH).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: This Taurus Law Group calls several times daily, not only me, but also family members of mine. The messages they leave say that there is an important message from Taurus Law Group and to contact XXXX XXXX ( not sure of name spelling ) at XXXX. The message sounds recorded and is exactly the same every time. They do not say who they are attempting to contact, but do say that they are a debt collector and that any information obtained will be used for that purpose. They have been asked to stop calling. I feel that they are implying legal action and by not identifying who they are attempting to contact, scare people into calling them back. This leads me to believe that if a family member does return the call that they would discuss any alleged debt with a third party in order to obtain information illegally.

Company response to consumer: Closed with explanation
Consumer complaint received 07/25/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BANK OF AMERICA, NATIONAL ASSOCIATION (NY).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint: I applied for the XXXX XXXX XXXX card and feel as though I received an unfair and misleading bait-and-switch offer. Apparently there are two credit card options -- which have very different terms and benefits -- the XXXX Signature has all of the benefits that are emphasized in the advertising, and the Platinum Plus XXXX, which has many many fewer benefits, including 1/6 of the bonus miles, no free checked baggage, and a significantly reduced companion ticket benefit. While it mentions this possibility on the application website, it was not clear to me during the application process that I had actually received the lower-tiered version. ( Unfortunately, I do n't have a screenshot of this process, however, I do not recall there being any verbiage indicating that I had not been approved for the XXXX Signature -- it must have just said I was approved for the Platinum Plus, which at the time I did n't realize was  different. ) It was also not clear that there were such different benefits between the two options. Furthermore, I was not given the option to state whether I was in fact interested in this lower-option ( which I was n't ) : once I applied and was approved for the lower version, I did not have the option to decline. So, essentially, I applied thinking I was going to get one card, was apparently not approved for it, and was automatically given a different card which I would never have applied for in the first place. It is also unclear to me why I was n't approved for the better option. I have a pretty good credit score ( XXXX ), and have other lines of credit that are in good standing. I tried calling Bank of America, and they were not able to provide me with answers. They only told me that I could reapply, but that I would n't get the additional bonus miles. I declined, and closed my account. I 'm sure Bank of America has covered its behind by putting all of this in the legalese of fine print, but honestly I consider myself a fairly savvy customer and I was still duped. I do n't think that, even if it says so in the fine print, you should be able to apply for one credit card and end up with another, with very different terms and benefits. ( Especially given that even applying for a credit card can negatively impact one 's credit score. Now I 've been hurt for getting a credit card I never wanted in the first place. )

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 06-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: on  XXXX / XXXX / XXXX , I requested  XXXX , Transunion and  XXXX  to dispute a false and negative reporting to my credit from  XXXX . So fa r Trans Union,  on  XXXX / XXXX / XXXX  responded today saying dispute resolved, no proof provided that i signed a " termination fee '' contract with  XXXX , and the negative reporting is still on my credit. I have not even heard back from the other  XXXX .   I requested  XXXX  to terminate my home phone, TV and internet service on  XXXX  or  XXXX / XXXX / XXXX .  XXXX  did not terminate my services until  XXXX / XXXX / XXXX . ** They have now charged me {$47.00} that i do not understand what those charges are for. i believe some of that  may  be for the difference of 5 days billing between when i cancelled and when they actually terminated my services. ** In addition,  XXXX  has charged me a termination fee of {$170.00}. I never signed up with them for a contractual duration. The only reason i signed up with  XXXX  a short while prior was because there WAS NO CONTRACTUAL TERM, and the cost was somewhat reasonable, until the actual bills came in. All attempts to speak to  XXXX  by phone where wasted by reps telling me that because of all the discounts they gave me they had no choice but to switch me to a contracted account. I did not sign up under contracted terms nor would I.

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 02/27/2018 about Debt collection (Other debt) with The CBE Group, Inc. (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I have completely paid off my debt to CBE group and it has been removed from the credit report. XXXX has not been updated about the payment and they are still trying to charge me for it. I have tried multiple times to contact CBE group and have left multiple messages. Every time I call and don't leave a message the phone is on hold then hangs up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 07-05-2016 about Consumer Loan (Vehicle loan) with ALLY FINANCIAL INC. (KS).
Issue: Problems when you are unable to pay

Complaint: I financed with ally in XX/XX/XXXX and paid of my car in XX/XX/XXXX. I have another friend who is white and has bad credit history then mine was offered less interest and lesser payments while I payed them like XXXX on interest just in XXXX months. That is ridicules. Also they gave me an interest percentage of XXXX percent on that car. After all this overcharge I refinanced with them again and due to some financial hardship I was unable to pay my installemnt XXXX month and they have this program that allows you to extend payments due to anykind of hardship if you have paid XXXX payments on time. I have paid them XXXX payments on time and should have qualified for that but they refused me probably because I am XXXX. I am very upset. They overcharged me on my first car and now they are treating me differently just because from where I am

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 08/24/2016 about Debt collection (Payday loan) with CNG FINANCIAL CORPORATION (WI).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: I was contacted by my employer about a XXXX XXXX from XXXX contacted them about a loan I had with another company. My employer stated that XXXX XXXX was trying to reach me about a collections case they had against me and they need to get in contact with me to get in contact with her. I was also contacted from my wifes employer with the same information to call XXXX XXXX about an outstanding debt. I have been getting numerous calls on my home phone where when my answering machine would kick on the caller would hang up with no message left. On XXXX/XXXX/16 XXXX XXXX from XXXX left a message on my answering machine and left information about a case number and to contact her a soon as possible. I had returned a call to the number she left and a gentleman named XXXX ( no last name given ) said that XXXX XXXX was not available and that he knew all the information about the call. This was before I even told him what the call was about. He told me that there company received a complaint from Check N Go that I had an outstanding balance with them which I partially disputed. While talking with him he told me I had to pay them {$2800.00} that day or I would be taken to court and sued for the money. I told him that I did not have that amount and he told me I could pay 50 % and had to come up with the other 50 % within 24 hrs. I told him I could not come up with that amount for the first 50 %. He told me that I would have to get the money from family or Friends or the case will be forwarded the next day. I told him I have not gotten any information on this from them and he said he would send me a letter to explain everything by certified mail and by e-mail. I got a so called explanation via e-mail but still nothing thru the postal service which he said he would sent. This has been one week ago ( XXXX/XXXX/16 ) and my mail has not brought me anything from them as promised ( XXXX/XXXX/16 ). As stated I have been getting the phone calls with no messages left. When I do get a message is very unprofessional and degrading. Today I was called at XXXX from XXXX XXXX about not following up with her company which in fact I did on XXXX/XXXX/16 when I talked to the XXXX XXXX. I answered the phone and told her that I have not received the information requested ( certified letter ) and to cease calling my home phone. I checked out XXXX with the XXXX and found out that they XXXX has a F rating with them and also was informed by the XXXX to not pay XXXX anything. I have been getting phone calls from XXXX with different numbers showing up on my caller ID with no company name attached. I found out who they were by reverse number checks. The number that left a message by XXXX XXXX was a XXXX cell phone but the company is located XXXX. They call XXXX4 times a day and leave no return call including from the XXXX number.

Company response to consumer: Closed with explanation
Consumer complaint received 07-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with AmeriCollect (NJ).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Dear XXXX, You have listed my personal information incorrectly, I expect this situation to be corrected immediately or I will be reporting you as messing up my personal information for personal gain. You have several things on my credit report that should not be there and without any confirmation of a signed contract from these companies I know for a fact it is illegal for you to list any company with my personal information regarding fraudulent information on my report. I had to file several police reports regarding all of this. My personal information was stolen and used several times which created a nightmare for me, I will not be harassed or treated this way by either you or any other company that deems this ok to use my report for personal gain in anyway whatsoever. XXXX XX/XX/XXXX I never opened this account inXX/XX/XXXX Pls. send the signed contract with my name or  it or -- -Pls. remove this IMMEDIATELY Amerillect XX/XX/XXXX- who is this?? No address, No contract, No signature, again- Pls. remove this IMMEDIATELY XXXX XX/XX/XXXX Who is this?? XXXX if you dont have a contract for them either then, Pls. remove this IMMEDIATELY Sincerely, XXXX XXXX XXXX XXXX XXXX, XXXX, NJ XXXX XXXX Consumer Affairs pls. looking to this information since XXXX seems to think it is ok to put peoples personal information on their site without any proof of records.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01-07-2018 about Mortgage (FHA mortgage) with CROSSCOUNTRY MORTGAGE INC (NJ).
Issue: Trouble during payment process

Complaint: To Whom It May Concern : I have filed a Chapter XXXX, Bankruptcy in XXXX of 2017. I have a active mortgage on my home, but did not re-affirm the loan during my filing for bankruptcy. I have continued to pay the monthly payments. My mortgage lender Cross Country Mortgage, has stopped sending me my monthly statements. I have reach out to them continuously for them to start sending my monthly statements. Cross Country states because I have filed bankruptcy, I will not be getting my statements. 

I need to know my loan balance because, my lender has made errors in the past such as applying my escrow payments toward my loan. My home is not in a foreclosure status. My loan payments are only a month in arrears. 

I would appreciate your earliest response to this matter. This situation has been going on for too long, and I need your counsel. 

Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (SC).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have a XXXX XXXX with a name that is similar to mines and social security number that is 1 number off from mines. After examining my credit report, our identity is being mixed. Her name address and social was popping up under my credit and her name was listed as an " Alias. '' I 've called and written letters and the issue is still ongoing. Many of the hard inquiries on my credit does n't belong to me. Working in XXXX XXXX requires my credit to be decent and this has tremendously lowered my scores. Not only that, it 's hard for me to do many things including my credit and I ca n't because of the mix up. Thanks for your time and concern. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 02/13/2018 about Vehicle loan or lease (Loan) with SIRY INC., DBA SIRY AUTO GROUP (CA).
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint: I am being charged more for interest than I agreed to in my contract. I believe this company is stealing from me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Problem with fraud alerts or security freezes

Complaint: I was a victim in the recent Equifax hack. I was not notified by Equifax and found out through my own inquiry into the matter.

Company response to consumer: Closed with explanation
Consumer complaint received 01-08-2018 about Debt collection (Other debt) with West Central Texas Collection Bureau (TX).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: Charges from former apartment in which they ca n't provide the reason for charges. Claimed its all lost

Company response to consumer: Closed with explanation
Consumer complaint received 10-06-2017 about Debt collection (Mortgage debt) with Servis One, Inc. (GA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I acquired a home improvement loan on XXXX XXXX, 1997 XXXX XXXX XXXX XXXX XXXX in the amount of {$30000.00}. The  payments are XXXX per month and these payments have been consistently drafted out of my personal checking account. BSI, the financial service that collects for this company, sent me a bill stating that I owe approximately {$19000.00} and to settle this account, I will need to pay {$27000.00}. The letter indicates that non-compliance would lead to foreclosure. Upon my investigation, XXXX XXXX XXXX XXXX does not have a physical address as indicated on their website. This loan is not on my credit report and from my understanding, credit reporting is not a common practice with this business. Strange!!! 

XXXX XXXX XXXX XXXX XXXX utilizes unfair and deceptive business practices along with preying off the weak or consumers who lack knowledge. 

Lastly, in corresponding with the Pennsylvania Department of Banking and Securities and the Florida Office of Financial Regulations, BSI Financial Services and XXXX XXXX XXXX XXXX are not registered to collect debts from consumers.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with SYNCHRONY FINANCIAL (TX).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I am writing to dispute the following information in my file. I recently received a copy of m y Credit repor ts. The credit report showed credit inquiries that I dont recall authorizing. I understand that you should n't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file because it is making it very difficult for me to acquire credit.     The FCRA states that the only permissible purpose for pulling someones credit is for : A. Firm Offer of Credit B.  Insurance C. Employment D. Court Order T he following credit inquiries are related to none of the aforementioned permissible

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 04/20/2015 about Mortgage (FHA mortgage) with SUNTRUST BANKS, INC. (FL).
Issue: Loan servicing, payments, escrow account

Complaint: Suntrust Mortgage continues to charge me $ 20/month for a property inspection when the account is less than 45 days late. It has been disputed to no avail. This is on top of the late fees. I am also receiving mail from XXXX XXXX XXXX XXXX ( XXXX ) claiming that they have been hired by Suntrust to " Advise '' me of this debt. I have contacted Suntrust, by phone, and Suntrust claims that they have not hired XXXX. I have sent a drop-dead letter by certified mail to XXXX. They have continued to send me mail and XXXX actually showed up at my house on Saturday, XXXX/XXXX/15 requesting my driver 's license to verify information.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02-08-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with AES/PHEAA (OR).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: The XXXX XXXX XXXX was where all my loans went thru. The first part was while i was attending the local XXXX college, XXXX XXXX College, then I transfer to a 4 yr school to complete my degree programs. 
Even though the next set of loans at the 2nd school, XXXX XXXX University, involved new loan paperwork, which included a new home address, email, etc. This info for whatever reason did not update across all the acounts. And since they like to make each term, 3 per year, be its own account, they are saying it was my problem for not updating all the contact information for each and every account. 
Yet, they had the new information to send me info, and even worse, the address they did have was my grandmothers address, and nothing ever got sent their either. 
It reached the point of being 6 months past due, by the time i just happened to be looking into getting a home loan, and when i went to look at my credit report, it had been tanked by 13 accounts thru XXXX XXXX XXXX, each stating 6 months late. 
For an account that's supposed to have payments due, and reach 6 months past due, they never looked at the account closer for contact info, and when we called them directly, they even said that both sets of addresses were in the system, and the different email addresses, phone numbers, etc. So why couldn't they send anything.. and like i said again, the old address in their system, never received anything at that residence either, and my grandmother has been living there since 1996. 
I sent multiple letters attempting to explain everything to the creditor, XXXX XXXX, as well as all the credit bureaus. Response has been that nothing gets fixed. And the best the school did to fix the immediate problem of an account showing past due, was to make a retro active forbearance, and back date, or whatever they call it to fix the problem.. 
But, that doesn't help my credit report where the only bad thing on my report is this set of 13 accounts, all showing several months past due, and now, best they show is current because of the retroactive forbearance. This has prevented me from obtaining financing the purchase a home, as well as prevented me from being able to even rent an apartment for myself, my XXXX husband, and XXXX  kids. You would think this would be an easy fix, but apparently not, and they wont budge. 
I have been told i have grounds for legal action against them for this matter, and the financial/mental hardship it has caused us. Not to mention, a potential lawsuit against the fact that they get to report so many different accounts, but yet i only signed 1 loan agreement per year, so how its allowed to turn into 3 seperate loans is sketchy..

Company response to consumer: Closed with explanation
Consumer complaint received 10-06-2017 about Student loan (Private student loan) with Navient Solutions, LLC. (NY).
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint: I have 5 private student loans and 2 federal student loans with Navient. I have been repaying the loans for 7 years now, and have not missed any payments, although it has been a financial struggle and I have not able to move ahead. The original amount of the 5 private loans that I have taken out were : {$15000.00} ; {$15000.00} ; XXXX ; XXXX ; and XXXX. The amounts that are owed on these loans after 7 years of repayment are {$16000.00} ; XXXX ; XXXX ; XXXX ; and XXXX. The 2 federal loans are XXXX and XXXX. Amounts now owed on these are XXXX and XXXX. 

After 7 years of paying these loans, they have not gone down, but up!! I called Navient 2 times about this but they did not respond back to me with any reason. Why would this continue to go up in amount due?? This does not seem right at all. How and why would this happen? Please help because Navient sure is n't. Should I consider getting a lawyer to help me with this?

Company response to consumer: Closed with explanation