milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11-12-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Focus Holding Company (ID).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: In XX/XX/XXXX I started service with a cable company named XXXX XXXX. The account went delinquent with a balance of {$130.00} in XX/XX/XXXX. It was reported to my credit report with XXXX and XXXX XXXX. Recently in XX/XX/XXXX I paid the account off with XXXX XXXX for {$150.00} ( Original account balance + interest ). Now XX/XX/XXXX a XXXX XXXX XXXX XXXX ( who owned this XXXX XXXX Account ) was removed from XXXX, and XXXX XXXX. I originally contact XXXX XXXX after reviewing my credit reports and noticed the amount was still being reported as owed. That ended with the account being removed from both credit bureaus. I am now seeing that a NEW company by the name of XXXX ( XXXX ) is reporting the SAME account to the XXXX bureau XXXX. This account was never listed on XXXX, but it is now as of XX/XX/XXXX. This same company has called me multiple times even after a rep I spoke with, stated she would record my notice for them to stop contacting me. I am currently XXXX, with XXXX children and have learned from my past experiences that credit is important, I have worked hard at getting multiple accounts paid and removed recently, and this has effected my credit to go right back to where I started. I am attempting to get my credit to place where I can purchase a house. Please help me with this account/ collections.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/24/2015 about Mortgage (VA mortgage) with WELLS FARGO & COMPANY (FL).
Issue: Loan modification,collection,foreclosure

Complaint: Wells Fargo sent 4 loan modification packages. I signed the first one on XXXX XXXX, 2015. 
It stated there was a HUD partial claim. There were 3 other packages sent XXXX XXXX, XXXX XXXX, XXXX XXXX. No partial claim was available. I am a XXXX veteran. The equity in the home went down from XXXX to XXXX. The last payment of principal and interest was XXXX. The loan modification put interest and escrow on top which is XXXX. The home is structurally unsafe and was ransacked/vandalized. The home is not livable. I put a claim in to the insurance company because there was prior damage. And they stated it was below {$1000.00} deductible. XXXX XXXX the loan preservation specialist at Wells Fargo did not determine it was fair market value. I calculated the NPVand it went down to XXXX with 480 month term of XXXX. I keep getting the run around from Wells Fargo. This is a VA guaranteed home loan. I contacted the VA Virginia XXXX Loan center and they said fair market value. They said I would decline the loan modification and send 'Deed in lieu of foreclosure '' to Wells Fargo and Wells Fargo would send it to the VA loan center to sell the house.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/23/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (CA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: {$410.00} is the amount that the collection agency with the business name of ERC is currently trying to collect from me. I do not agree with that amount, for XXXX wrongfully biilled my family for early termination of mobile phone contract fee of {$200.00}, which we refused to pay, and now the amount is {$400.00}. When i called ERC they failed to disclose where the other {$210.00} in debt originated from. I think it is necessary to get the documentation showing that they are the appointed collection agency that is collecting on behalf of XXXX, and to disclose documentiation to me that shows what attributes to the {$410.00} in debt, for what I understand is that only {$200.00} should have been billed for the early termination fee of contract, and not {$410.00}. 

Can you contact the collection agency and explain to them that they need to show. 
1. proof of having the right to practice as a collection agency in california , i would like to see this 2. proof of the debt that they now are collecting from XXXX, a document stating the amount that I owe and what i am being billed for Without these documents I refuse to pay any money to ERC. 
Please let them know if they do not show proof, they need to delete the debt from my credit report. 

Thank you. 

COLLECTION AGENCY NAME AND ADDRESS ERC XXXX FL | XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/13/2016 about Consumer Loan (Vehicle loan) with U.S. AUTO SALES INC. (GA).
Issue: Taking out the loan or lease

Complaint: In XX/XX/2015 i brought a pontiac XXXX from u.s.a auto finance, for $ XXXX with a very high entrance rate that brought the total to just about $ XXXX. ever sense i brought the car it have been giving me issues, i had to take the car to get fixed over 5 times within the first month of purchasing the car. The XXXX told me after a year i can take the car back and refinance, so once that year came i tried to return the car and he told me that he 's sorry but they have been brought out by another company and i have to keep the car for another year! Mind you I 'm paying $ XXXX - $ XXXX for a 2006 car smh. I 've been suffering on making this payment on this very high priced vehicle. its ridiculous! i tried once again to return the car and they told me to pay more off before returning the vehicle, i can not and will not continue paying on this car! I 'm in desperate need of help. Now that I 'm forced to return this car, will also effect my credit score. help is defiantly needed at this moment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/27/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: The account XXXX do not belong to me. This account was removed from my credit file XXXX/XXXX/2014. I do not understand why it has appeared again. This inaccurate information must be removed immediately.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02-10-2017 about Consumer Loan (Vehicle loan) with HYUNDAI CAPITAL AMERICA (GA).
Issue: Problems when you are unable to pay

Complaint: Hyundai Motor Finance was charging late fees and other hidden fees and deducting these amounts from my monthly payments. I was not made aware of these late fees and other hidden charges that is not on the contract that I signed when I brought the car from Hyundai dealership. On XX/XX/XXXX, Hyundai Motor Finance repossession of my vehicle when my loan was not in default. To date, Hyundai Motor Finance took my monthly payments and took the vehicle. 

On XX/XX/XXXX, I was on a confernece call with Hyundai Motor Finance Manager name XXXX and my bank XXXX bank. XXXX confirmed my monthly payments that were sent and accepted by Hyundai Motor Finance. Hyundai Motor finance is stating I never paid them from XXXX XXXX until XXXX XXXX. They took and held my payments just to charge me late fees and other hidden fees. My loan is current and my next payment is not due until XXXX, XXXX. Hyundai Motor Finance is telling me in order to get my car back I must pay the XXXX bill on XXXX XXXX. Hyundai Motor Finance should not have the right to charge late fees and other hidden fees then lie and state that the monthly bill requirement is not being met. 

Also, Hyundai Motor Finance never sent me a notice stating the reason of the late fee and other fees they placed on my account. This company have verify unjust and unfair business practices that allow them to collect money they are not entitled to. 

Hyundai Motor Finance took my car and my money and now I am missing work for three days now.

Company response to consumer: Closed
Consumer complaint received 01-12-2016 about Credit card () with Atlanticus Services Corporation (TX).
Issue: Customer service / Customer relations

Complaint: The company Fortiva has provided misleading information when it comes to submitting online payments and their customer service is horrible. I normally pay all my credit cards online because I feel safer if I am able to submit an online payment. Every time i have tried to submit a payment online the website it always under maintenance no matter what time of day it is. Which leads me to believe that this method of payment is not available. This is very misleading as mentioned on the statement this is a method of payment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 07-06-2015 about Bank account or service (Other bank product/service) with FIFTH THIRD FINANCIAL CORPORATION (NC).
Issue: Account opening, closing, or management

Complaint: XX/XX/XXXX, I was called by Fifth Third Bank in the XXXX of XXXX to encourage me to invest money with them for better returns than expected with regular certificate of deposits which were often paying less than 1 % /year at the time. The investment banker recommended a 5 year stock CD offered through XXXX. They told me clearly that, not only is my principal fully guaranteed, but that I would get a return of 7.5 % /yr to 12.50 % /yr depending on the stock performance. There were XXXX stocks in the portfolio. Therefore, they ensured me that 7.5 % /yr return would be the worst case scenario. However, it was clear after the first 6-12 months that there was going to be 0 % return for the next 5 years and I was not allowed to withdraw early at any time before 5 years, otherwise I would lose a part of my principal investment as well. The investment matured on XX/XX/XXXX accruing 0 % interest over the whole 5 year period. In effective, this bank fraudulently took an interest free loan from me for 5 years, at which time they certainly invested or loaned it out to others for high profits, returning only the principal to me! This is clearly a fraudulent investment vehicle with false promises and a means for the bank to get your money for a long period of time without your ability to get it back when you want. They have given me no apologies or explanations for this. This investment vehicle needs to be stopped, the bank needs to be fined or disciplined, and I should receive compensation for unnecessary loss of income. If I had put the same amount in a regular CD at a mere! %, I would be ahead a significant amount of money. This bank is taking advantage of gullible and trusting consumers. They can not be allowed to continue in their same ways!!

Company response to consumer: Closed with explanation
Consumer complaint received 01/21/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (WA).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I was never given an option for an income based payment plan. I was forced into default and forfeited several years of tax returns on top of bad credit because of my inability to pay an amount that I could afford.

Company response to consumer: Closed with explanation
Consumer complaint received 11/16/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have XXXX hard inquiries on my credit report that were not mine. I have previously called the companies and also contacted the credit bureaus. I have had no response and the negative information is still on my report. With both false inquiries, incorrect addresses were used, too. The inquiries I am speaking of is the XXXX and XXXX XXXX inquiries. I need to have these removed as my credit is negatively impacted by these errors/identity theft usages.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: unauthorize transaction of result of identity theft & fraud police report # XXXX & fraud police report # XXXX attached

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 12/16/2016 about Debt collection (I do not know) with TENET HEALTHCARE CORPORATION (TX).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: was unable to locate or contact the reporting company that was reporting

Company response to consumer: Closed with explanation
Consumer complaint received 07-12-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with SUNTRUST BANKS, INC. (MS).
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint: Suntrust Bank allowed XXXX XXXX company to withdraw XXXX from my checking account. This was not an authorized transaction. I pay my XXXX insurance bill online monthly and authorize the amount myself. Suntrust and XXXX have violated the Privacy Act and has charged me an additional {$36.00} for overdraft fees. I spoke with XXXX and they were able to refund {$240.00} to my checking account, but not the full amount due to " limited data or information ''. This transaction was completed from my Suntrust Check card which I did not authorize. SunTrust stated the transaction was authorized by me, but with no proof.

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 05/29/2015 about Credit card () with BMO HARRIS BANK NATIONAL ASSOCIATION (NY).
Issue: Closing/Cancelling account

Complaint: I have been a member of Diner Club for XXXX years. During that time I accumulated XXXX points. I cancelled the card on XXXX XXXX 2015. I tried to reclaim my points and was told by Diners that I had lost the points after XXXX days. My claim to the points was made XXXX days after closing. My claim is that this is fraudulent practice by Diners Club. Those points were earned based on card usage and have a redemption value of {$2600.00}, Diners have no right to cancel those points which were earned by me. I have written to Diners Executive Complaints and have had no response. Diners did not inform me in writing that I would loose my own points.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/16/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with U.S. BANCORP (MN).
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint: I got a dental   XXXX   XXXX   XXXX   repaired by a   XXXX   repair    company.in  XXXX    XXXX  . I originally sent  XXXX    XXXX    to get repaired. The company contacted me back with quote to fix the  XXXX    XXXX  . Out of the  XXXX   XXXX  I authorized  XXXX    XXXX   with specific size to be repaired and mentioned not to repair the other as I have other plans. But When I received the repaired   XXXX   back I noticed the wrong  XXXX  repaired which I did not authorize. I contacted the company and first they said they did what I asked them to do. Then later they sent me another email saying the  XXXX  I requested to repair was not repairable and they repaired the other  XXXX  without my permission. I asked for a refund as I did not authorize the repair. They refused. At that point I contacted  US bank  some where  XXXX  or  XXXX    XXXX    (  I do n't remember the dates as it was all on phone and they have recording ) .They said they will send a questionnaire for me to fill and they are sending in mail. After waiting few months that I have not received any paper, they said because you did not respond they closed the case. I told them I never received any paper, plus I moved just in  XXXX  and some mail might got lost. They said to send the papers again, which I did revive and sent it. Again There was no reply, and month or so pass by. When I contact them they again said the same story they never received any thing and they closed the case. But they are willing to open it up again if I fax them the supporting documents from the branch. I went to the branch and faxed those papers. Do n't remember the dates but bank has all. Again no contact and when I contacted them they said ( spoke with supervisor  XXXX  ) that they never received the fax. I told them I did it from branch and branch know about it. After few days when I called again they said they made a mistake and the documents were received but not attached to the file. So I asked what next and they replied we will look into this. So after few days  XXXX  left me a message to call back which I did. she did not reply. Person on customer service said that basically bank left a note that now its too late they will not handle that. I told them how is it my fault. First I was trying to resolve the issue with merchant, then with the bank, how is it my fault. On  XXXX   XXXX  they sent me a letter saying time was up, then they sent me another letter on  XXXX   XXXX  that the documents lacks sufficient information and close the case I tried Calling  XXXX  from card member service on  XXXX   XXXX , and  XXXX   XXXX  but she never answered.

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 08/22/2017 about Debt collection (Credit card debt) with Army and Air Force Exchange Service (VA).
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint: I have been contacting/attempting to contact XXXX XXXX of XXXX XXXX XXXX. Since XX/XX/XXXX. I left countless messages, called endlessly and never received a call back. I was told by customer service since I previously filed a complaint no one other than the assigned manager is allowed to speak to me.
I finally spoke to her early XX/XX/XXXX after making at least a dozen calls. At the time we spoke my treasury payment had been intercepted. I explained to her my savings bond redemption had been offset for the amount of ~ {$1800.00}. She told me the credit was not yet applied to my outstanding balance. I asked her to contact me when it had been processed and I also asked to make a settlement offer of {$7000.00}. On XX/XX/XXXX XXXX left me a voicemail. She claims AAFES returned with a counter offer of {$15000.00}. She also suggested I provide her all of my personal financial information to apply for a hardship dismissal of the debt. I asked her to mail me the offer letter and I would review it. I received the letter XX/XX/XXXX. I was told by XXXX that offers have a 60 day payment period, she sent me a notice that payment is due in 30 days. I was also told by XXXX that she would list my original offer on the letter, but that is missing. XXXX told me this debt could be collected indefinitely even after I asked about the 10 year statue of limitation. She used that as an intimidation tactic and falsely implied that by giving her all of my financial information it could help with a new settlement amount. That information was omitted from the correspondence I received.

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 10/20/2016 about Credit reporting () with Experian Information Solutions Inc. (IL).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: Experian is in violation of the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), they are required by federal law to verify the accounts in their report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/13/2017 about Debt collection (I do not know) with Premier Portfolio Group (SC).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I have been receiving calls at my office from Premier Portfolio group. They want me to make payments, but have not stated for what. They called my work number I told them I can not receive personal calls at work since I am in a dispatch office and the phone is used for business only. They have called every day for 4 days straight even after they were informed that I can not take this call at work. As a matter of fact the young lady that worked for them said they were going to just keep calling.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 02/21/2018 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: Information belongs to someone else

Complaint: have been trying to get negative items removed from credit reports ; I have always paid cash for items ; have never had a XXXX XXXX account there is not contract the account is not mine would like it to be removed along with all the errorous XXXX accounts I do not have any children never been married so do not know how or why someone child support account would end up on my file and numerous time there is like 5-6 different account numbers all varies amounts, dates etc which are all invalid because I do not have any children, have contacted XXXX they state I am not in their systems and they do not send in information to credit reporting agencies so do not know how its attached to my file would like it removed immediately.

Company response to consumer: Closed with explanation