milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03/24/2015 about Debt collection (Medical) with Healthcare Collections-I, LLC (AZ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I find this medical debt reported on my credit report, but I do not remember ever owing a bill with a remaining balance of {$7.00}. It looks like the company dated the opening of this debt XX/XX/2010. I looked for the collection company on line, but it is as though it does n't exist. It appears to have impact on my credit score. I am willing to pay it if I could get an itemized bill showing the date of the procedure and when and what my medical insurance company reports about it. Also, if the company no longer exist, IT WILL NEED TO BE REMOVE FROM MY CREDIT REPORT. My complaint is that this company has not sent me a bill showing the details of my so called debt, but has reported to the credit bureau that I owe this debt. This is harming my credit score and it is not making it 's contact information available to me. How am I to clear up my credit report if this company does n't exist, but they have reported that I owe a debt that I have no explanation for?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, 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 approximately X/XX/2017 I was notified that someone opened an unauthorized XXXX credit account in my name. I contact XXXX and the account was immediately locked and then closed. XXXX  internal investigation determine this was a fraudulent account. 

The opening of this account though required a hard credit check. I filed a dispute with Equifax then. Today I was notified the dispute investigation has been completed. When I checked in the morning it said the investigation found that the investigation found this was not a fraudulent account ( even though XXXX 's investigation said it was ). Now in the evening I am unable to access the investigation report because when I enter in the info into Equifax 's site it says that my information does not match. Equifax also provides no customer support phone numbers for users to call about this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 02/21/2018 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (MI).
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint: i closed a checking account on XX/XX/XXXX and it has not closed yet with a promise it will close in three days at least once a week.received a promise today

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 09-11-2015 about Debt collection (Credit card) with Atlantic Credit & Finance, Inc. (CA).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: I could not find the exact " describe the issue '' choice, but Atlantic Finance threatened me that unless I made my payments via a monthly electronic payment system, they would sell my debt to a company that would add more interest until the debt was paid off, therefore dramatically increasing the amount of my debt when I agreed to payments but only wanted to pay by USPS money order. 
Said my credit would get a negative report if I did n't pay electronically. 
XXXX XXXX and his " supervisor XXXX '' Harassed me and used threats of credit harm if I did n't open up some kind of electronic XXXX card payment system to make my monthly payments. So, at much hardship and more expense I did open a pre-paid credit card and made my first payment. The very next day I received hard copy correspondence from Atlantic Credit and Finance that included a payment form for paying with a money order or check??? OR electronic CC payment IF I CHOSE. 
I am a XXXX year old totally and permanently XXXX Veteran, my total monthly income is from my VA XXXX pension which is less than {$1100.00} ANY extra expense is a extreme hardship on my financial abilities, and I explained this to Atlantic Finance when I stated that I only wanted to pay via money order or check to avoid any electronic fees or give any of my private financial information to a collection agency because of all the reported harms done by collection agencies to others when they provided personal financial info unrelated to the debt. 
I agreed to make the payments to protect what little credit I have, even though I felt in principle that the original debtor XXXX XXXX, had broken a agreement with me for payments when I was ill and could't keep up with the full payments but offered " good faith '' payments until my health would allow me to catch up. I fulfilled my part of the agreement with XXXX XXXX, but the reneged just before XXXX causing me to not be able to purchase the gifts for my grandchildren I wanted to. I admit I was so angry and upset XXXX, that I just did n't care and told XXXX XXXX this. But after contact by Atlantic, I did agree to pay off the debt if they would n't harm my credit as long as I was current. They said they could n't but convinced me that as long as I was paying that 's all that would show, that I was paying a monthly obligation. But they insisted that they could only accept a electronic payment, otherwise they would sell my debt to another company that would continue to add interest charges and that I would incur much more debt! 

I was harassed, demeaned for my original debt to XXXX XXXX, coerced and outright threatened with more debt added, unless I agreed to make electronic payments and incur the added expenses.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06-11-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with FIDELITY CAPITAL HOLDINGS, INC (LA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: in 2010 i just graduated from XXXX and rented a room on a 30 day trial run to see if i could make it as a XXXX. they had a small business which rented rooms to XXXX XXXX and another XXXX. a lady selling credit card machines invited us to all group together to use XXXX terminal and each have a specific number for each of our transactions the lady sat us down all together and verbally told us there were no commitments until 30 days and if we closed after a XXXX period of time the contract would be voided. if i sent her a picture of the empty room in which i did close with in the designated time before i became locked in the contract after the 30 day trial. everyone of us shared the terminal and we returned it within the specified time frame when the salesperson came to see my closed XXXX. i had not had a XXXX and did not even have a rental agreement for the room.which also was on a trail basis.i did n't even meet certain guidelines for even being able to get the offer of a terminal .that 's why she said it was a trail run.because i did n't qualify until i had the correct paperwork and XXXX which i could not afford to do. I was not the only person w a contract and if i did n't use the terminal alone there should be others that can verify the verbal agreement of the trial 30 day term.please try to help.the representative did not tell us the truth when we signed the paper.she said that there would be no problems that she would guarantee us that we were not responsible if we could n't afford to stay open.i could n't even pay for my supplies.why would i obligate myself to a huge contract? and the rep knew that and she still trapped me into signing along with other people who signed.

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 04-06-2016 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: XXXX, XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, GA XXXX Experian XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX. 


I recently submitted a request for investigation of an Acct Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I 've submitted enough information regarding the fraudulent account that 's open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your e-Oscar system you would have noticed that this account is not mine which your companies have claimed to " Verified ''. Since you 've obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Experian ), and XXXX XXXX XXXX, XXXX XXXX, the courts ruled each and every time that the CRA could n't merely " Parrot '' information from the creditors and collection agencies ... that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/XXXX in question. Sending out a generic form through the XXXX system that does n't even contain my reasons for the dispute is not reasonable. 

If you do n't initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which I 'm sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 


XXXX, XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX, 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 explanation
Consumer complaint received 04-03-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with U.S. BANCORP (IL).
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint: For the past 4 months US BANK CREDIT CARD SERVICES has continually allowed unauthorized charge to my consumer credit card. Each month US Bank send our accounts into default by allowing these unauthorized charges.

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 05-07-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with SYNCHRONY FINANCIAL (OH).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I keep getting calls that start at XXXX n do n't stop till XXXX for someone else 's debt for QVC. I 've told them countless times they have the wrong number but they Still call me 10 to 15 times a day 7 days a week even on Sundays!! I 've put their numbers on a block list in my phone but they STILL call with a different number. I have XXXX different numbers for them on my blocked list already. They fill my voicemail box up everyday n I miss Extremely Important voicemails because of them. I 'm sick of it! Please please help me thank u My name is XXXX XXXX my email is XXXXXXXXXXXX

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 03/20/2016 about Student loan (Federal student loan servicing) with AES/PHEAA (MD).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: My federal loans are serviced through AES and XXXX XXXX they were supposed to be in deferment when I reported extended unemployment well they never were deferred my credit was ruined and I since then completed a rehab program and have been paying on time yet every month on my credit reports all bureaus they are reported as 120 days late and they are reaging this on my report every month

Company response to consumer: Closed with explanation
Consumer complaint received 04-02-2015 about Mortgage (Other mortgage) with CITIBANK, N.A. (MA).
Issue: Credit decision / Underwriting

Complaint: Is there someone employed at XXXX XXXX that can give me AUTHORATIVE answers to questions I have pertaining to my XXXX/CitiMortgage Standard Modification Trial which was approved on XXXX/XXXX/15 by the servicer Citi? My approved rate they 've given me is 4.375 % for XXXX years with Citi also claiming no option to pay-down my {$20000.00} past due balance on top of my trial payments during the XXXX month period. I 've been getting the run-around by Citi on my right to get the standard modification published rate of XXXX ( clearly posted on XXXX ) and my right to pay down my past due balance during the trial period. These adjustments if considered and approved would each independent of the other save me a great deal of money when it comes time to calculate my final permanent modification at the end of the trial period. Local agencies such as XXXX XXXX or my local congress woman 's office have been no help because they lack authority on this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 12-05-2017 about Debt collection (Medical debt) with Bonded Adjustment Company (HI).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: Bonded Adjust has a claim on my file for {$1700.00} since XX/XX/2011! i have been wondering why my credit is so bad and why i have n't been able to attain certain things that rely on credit and this is the major reason! i know this is from a XXXX XXXX i had and I 'm guessing its for the XXXX but at that time i was under my parents insurance being i was only XXXX. this has been on my credit for years and i had no clue about it this is absurd and is killing my credit. i am XXXX years old trying to start up my first business, take care of my family and this stupid medical debt coming from a broken Medical care system is crippling me and my family. please help me get this taken care of. thank you God bless

Company response to consumer: Closed with explanation
Consumer complaint received 07/23/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with NATIONSTAR MORTGAGE (CO).
Issue: Loan servicing, payments, escrow account

Complaint: Nationstar Mortgage still owes me {$1000.00} in surplus escrow from 2014.

Company response to consumer: Closed with explanation
Consumer complaint received 02-02-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (WA).
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: My name is XXXX XXXX, and my wife and I were working on our credit reports and we started to research different things related to credit. We found that we could dispute inaccurate information directly with the three credit reporting agencies for which we did and were able to clean up several mistakes we noticed that were reporting. However we also learned that there is a statue of limitations for each type of item that reports and for some reason there are a few accounts the bureaus have continued to list even after disputing that are past the statue of limitations such as : Four accounts with XXXX XXXX Co XXXX, Two accounts with XXXX XXXX XXXX XXXX and the other XXXX. XXXX XXXX   XXXX, Four accounts with XXXX XXXX XXXX, XXXX accounts with XXXX, Two accounts with XXXX XXXX XXXX, 4 accounts with Specialized Loan Servicing and then One with 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 11/17/2015 about Mortgage (Other mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Loan modification,collection,foreclosure

Complaint: Hello, my name is XXXX XXXX and i already send XXXX complains against debt collector XXXX, BOA and XXXX XXXX and their attorney XXXX XXXX! 
I rescinded the alleged loan XX/XX/2015 sinse the court did not go by the rules and did not take my discharge of the alleged debt into consideration. 
They received it XX/XX/XXXX and did not sue me in the 20 day frame.They waived their right to do so. 
so the deed and note is null and void!!!!!!!!!!!! 
Plus they ( XXXX XXXX violated all kinds of XXXX XXXX XXXX laws which i will bring up in Federal courtPlease help

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/26/2016 about Consumer Loan (Vehicle loan) with SUNTRUST BANKS, INC. (CA).
Issue: Shopping for a loan or lease

Complaint: I applied for an auto loan online with XXXX, a Division of SunTrust Bank, via their advertisement on XXXX. They gave me the option to have my personal information forwarded to another bank in the event I was n't approved for their loan ; I denied the option. They did n't approve me for the loan, and made a " hard inquiry '' on my credit report which caused my credit score to go down. I knew my credit score before filling out the application. Why did n't they simply tell me the required credit score so that I could avoid the " hard inquiry ''? I suspect that they want people ( that they are going to deny ) to fill out the application so that they can earn a fee by forwarding their personal information to other banks.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01-04-2017 about Consumer Loan (Vehicle loan) with Caliber Home Loans, Inc. (MD).
Issue: Problems when you are unable to pay

Complaint: On XXXX XXXX, XXXX, I, and my former wife, XXXX XXXX XXXX, executed a contract for the purchase of a recreational vehicle in the State of XXXX. In XXXX, XXXX and I separated. As we proceeded towards divorce and a separation of assets, in XXXX the recreational vehicle was voluntarily returned to the finance company. No payments were made after the return of the vehicle. At no time did the finance company comply with XXXX laws regarding repossessions and serve the necessary pre- and post- repo notices, nor did it ever advise as to the disposition of the vehicle. However, in clear violation of XXXX law, Caliber Home Loan attempted to collect on this debt in XXXX. When I responded that they were far outside the statute of limitations, XXXX filed a XXXX with IRS. XXXX law is very clear that unless a finance company complies with all of the required notices, it is no longer in a position to collect on the deficiency balance. Caliber then stated that a payment was made in XXXX but that alleged payment is not listed anywhere in the account history provided to me by Caliber. Finally, Caliber mailed a statement stating " YOUR ACCOUNT HAS BEEN PAID IN FULL. '' When speaking to a representative of Caliber, I was informed that the account had been charged off and that no payments had been made. Further, this statement indicates that the recreational vehicle is now listed at an auction site in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 09/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (AZ).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media.

Company response to consumer: Closed with explanation
Consumer complaint received 09/16/2017 about Payday loan, title loan, or personal loan (Installment loan) with CURO Intermediate Holdings (CA).
Issue: Charged fees or interest you didn't expect

Complaint: WHEN I APPLIED FOR THE LOAN I TOLD THE LOAN REPRESENTATIVE THAT I GOT PAID EVERY OTHER FRIDAY. I WAS NOT EXPECTING HER TO MAKE THE REPAYMENT CONTRACT FOR PAYMENTS DUE EVERY OTHER THURSDAY. SHE DELIBERATELY MADE THE CONTRACT FOR EVERY OTHER THURSDAY. I TRIED TO GET THE COMPANY TO CHANGE MY DUE DATE TO EVERY OTHER FRIDAY AND THEY TOLD ME THEY COULD N'T CHANGE IT. THEY SAID I WOULD BE CHARGED EXTRA INTEREST EVERY TIME THE DUE DATE NEEDED TO BE CHANGED. THEY SAID I WOULD HAVE TO CALL IN EVERY OTHER WEEK TO REQUEST A PAYDATE CHANGE. I WAS BLINDSIDED BY THIS EXTRA INTEREST THAT I FEEL THAT I SHOULD NOT HAVE TO PAY DUE TO THE FACT THE THE LOAN WAS BASED ON FRAUDULENT/INCORRECT/DELIBERATELY FALSE INFORMATION.

Company response to consumer: Closed with explanation
Consumer complaint received 11/15/2016 about Consumer Loan (Vehicle loan) with ALLY FINANCIAL INC. (NJ).
Issue: Managing the loan or lease

Complaint: Vehicle was traded in and paid in full by XXXX XXXX XXXX XXXX and Ally Financial released the title to the dealership ( which in turn went to auction ). Ally financial continues to contact and harass me after advising them to stop. They released the title and I no longer own vehicle.

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 04-04-2018 about Debt collection (Auto debt) with Lien Enforcement Inc (CA).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: I SOLD A XXXX XXXX XXXX IN XX/XX/XXXX FOR {$1500.00} THE PERSON I SOLD THE VEHICLE NEVER TOOK THE VEHICLE OUT MY NAME OR REGISTERED THE VEHICLE I FILE A NONOPERATION PAPER ON VEHICLE INXX/XX/XXXX THE LAST TIME I SMOG IT WAS XX/XX/XXXX SO THE PERSON COULD NOT DRIVE IT OR PUT IT ON STREET SO I FIGURE HE HAD IT IN STORAGE I GOT A IMPOUND LETTER IN THE MAIL FOR VEHICLE AND A LIEN COLLECTION PAPER I SENT ALL THE INFORMATION HAVE ON THE PERSON FROM THE IMPOUND PAPERS WITH HIS NAME CERTIFIED MAIL TO THE LIEN COMPANY LIEN ENFORCEMENT , INC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation