milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05/13/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with FINEX Group LLC (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I had a XX/XX/XXXX Honda Accord, which finally not working in XX/XX/XXXX after running for about 17 years XXXX totaled XXXX miles ). The car was filed as non-operational with XXXX. So, XXXX day some guy left me a note on the car asked if I 'm interested to sell the car. I called the guy and he came and towe the car away. I ask the guy for his personal infomation and went to XXXX and filed the release of ownership ( see attached XXXX record ). However, a few weeks later, I received a letter from the Police saids my car was parked on the side of the freeway and then was towed to a towing yard. At the same time I received a collection letter from Finex Group, acct # XXXX saying I owed {$2900.00}. I called and told them the car is not mine anymore, but they keep insist that I 'm still the owner. I told them I have the XXXX record to show the car is not mine anymore. However, they refuse to remove from collection. I think this is some kind of scram. They purposely buy cars from owners and left them somewhere and then have towing company tow it to their guarage and trying to collect from original owner. I would like CFPB to seriously look into this matter and have this item remove from my credit report. Thank you so much. XXXX

Company response to consumer: Closed
Consumer complaint received 10-05-2017 about Debt collection (Medical debt) with Midwest Recovery Systems (SC).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: A reported debt for XXXX from XXXX/XXXX/XXXX for XXXX  Never received a medical bill let a lone a notice that an account was being sent to collections or had been placed to collections. I never received a letter that I had a chance to dispute the collection. There is no way I could even have a medical bill for XXXX as I have MILITARY HEALTH INSURANCE. This is absurd.

Company response to consumer: Closed with explanation
Consumer complaint received 07/23/2015 about Credit card () with CITIBANK, N.A. (AZ).
Issue: Credit card protection / Debt protection

Complaint: NOTE : I am submitting the news release " tip '' info going to major media sources today. Citibank is still cheating credit card holders, now with their " Deals ''. 

News Release : After reading about Citibank 's XXXX XXXX " largest ever '' fine by CFPB today, it seems the abuse has not ended. I am a victim today of the Citibank " points '' deals. I booked XXXX rooms in XXXX Arizona on XXXX/XXXX/15 and had to use my Citibank credit card. 

The charges were {$100.00} and XXXX. Then, I did everything I was told to do when I checked. I showed my XXXX reservation slips and reservation numbers to the merchant motel office employee upon check in on XX/XX/XXXX. 

Upon checkout on XX/XX/XXXX he again charged {$91.00} and {$94.00} for the XXXX rooms, using as instructed the Citibank CC upon check in. The total charges are amounting to XXXX charges for {$400.00} for XXXX meager motel rooms for just one night. 

Since the motel exposed their " true '' pricing with the lower figures, the Citibank " Deal '' is no deal, just a rip off. On top of that, they refuse to reverse or refund on the higher charges. 

Also, their online software allowed XXXX dispute but will not take the XXXX dispute on the higher amount. Also, the one that allowed said it was issuing a temporary credit. But in 24 hours, no such credit was applied to the online balance. 

Let America know about Citibank " Deals ''. They are " No Deal '' as I have found out. How many more get abused each day by them?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 01/17/2018 about Debt collection (Other debt) with ERC (IN).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: A few months again I asked enhanced recovery to verify these are indeed my 2 cell phone bills. I still have n't received anything. They wanted to collect money! I told them I do n't recognize this debt or owe any money to this creditor.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/17/2017 about Debt collection (Other debt) with Results Unlimited, Inc. (MS).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: I currently received a wage garnishment that I was n't served any paperwork for. After contacting the company, I was told by an employee that the paperwork was served to an address in  XXXX  even though they had my current address in   XXXX   on file. I have not received any written communication from the company to dispute the debt and they served me in a state that is over  XXXX  miles away therefore I am unable to file a wage exemption. I requested documentation of the debt and proof of any communication to my current address and was told they do n't have to give me anything.

Company response to consumer: Closed with explanation
Consumer complaint received 10-04-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BANK OF AMERICA, NATIONAL ASSOCIATION (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 've had identify theft for 2 years ( approx ) ... I believe related to the XXXX XXXX breach. I 've had multiple attempts through Bank of America to take out new credit cards, etc. I 've called Bank of America multiple times ... they tell me its all fixed and the card is cancelled ... and then it happens again and the card was never closed the first time. This is the third time now that I 've called them saying that I have a credit card and I 'm quite certain its the same card that never gets closed. I have no idea what to do to make sure that I have no accounts with Bank of America.

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 09-09-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (AZ).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: I mailed in two payments on XX/XX/XXXX. One payment was {$500.00}, the other payment was {$3900.00}. I wanted to pay off one loan, and the remaining overpayment of {$1600.00} was supposed to go to the one remaining loan I have. This did not take place. I contacted customer service and they said they would reapply the payment by XXXX XXXX on XX/XX/XXXX. I contacted XXXX again Wednesday, and Thursday. I knew I had a payment due on the XX/XX/XXXX, so I paid it because they obviously do n't know how to reapply payments, refund, or otherwise handle money if it 's not earning them extra interest. Check recorded calls, I never cursed and was very polite with each rep. The rep was polite, but I guess they ca n't figure out how to fulfill a request over at Navient. 

I submitted a payment so I would not be late, and guess what, they marked me as late!!! I 've never had a late payment in my entire life!!!!!!!! The money was debited from my bank and yet, they say I 'm late. The only person who is late here is Navient. They are late to the party on so many levels. GET YOUR SYSTEM FIXED. 

Also, I requested a FULL AUDIT of my loans last time because the amortization schedule navient uses is flawed they have misapplied so many payments its causing so much extra interest to build up. XXXX XXXX included scanned copies of what I can generate on Navient.com ; again this is not what I requested. It 's wrong math. They need to put four loans in and recac how long I 've had the loan open and correct payment dates. Essentially they need to remove all the payments that they applied wrong, and recalculate the CORRECT amount of interest. I DO NOT ACCEPT A SCANNED COPY OF WRONG NUMBERS XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 11/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: Public Records-State Tax Lien XXXX County Circuit Identification Number # XXXX Filed : XX/XX/XXXX Claim Amount {$8800.00}. This information should not be reporting on my credit report due to XX/XX/XXXX CRA credit reporting guidelines that any public record must contact DOB and SSN ; this public record lacks this information and should be deleted from my XXXX XXXX/XXXX/Equifax credit report immediately. See Attached document as documentation

Company response to consumer: Closed with explanation
Consumer complaint received 11-09-2016 about Bank account or service (Checking account) with U.S. BANCORP (WA).
Issue: Deposits and withdrawals

Complaint: opened an account online. was charged XXXX dollars and given account and notice debit card would be sent. Went into a branch and was told no money in my account. US bank stole my money and manager says I was denied and would recieve a check in 3 weeks. What? thats like an unauthorized loan. thay stole my money and still continue to get emails from them stating debit card is on the way.

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 02/26/2016 about Payday loan () with COMMUNITY CHOICE FINANCIAL, INC. (VA).
Issue: Can't stop charges to bank account

Complaint: I obtained {$600.00} from First Virginia Loans in XXXX of XXXX. I have paid monthly and still the balance is {$480.00}. This is highway robbery at it 's finest. They continue to deduct my account on non pay days without any type of notice or warning causing overdraft fees leaving me without money to feed my children monthly right before pay day. They have received additional funds at time and I have paid on a monthly basis. In the beginning they had my paydays incorrect and were changing due dates most likely resulting in additional interest being charged due to their error. I am pretty sure the interest was not adjusted when they had my pay day date incorrect ( which determines your pay back dates ). They are robbing me and are not willing to assist with any settlement options. I need your help to seek settlement options with this company as they have taken over XXXX for a loan of XXXX when does it END!!! They continue to go into my account on different days each month and NOT on pay days. This company is fraud and are loan sharks. Please help. I need validation of the debt and need to see if they adjusted the account when they had my paydays incorrect early part of XXXX. Please I need to see if I can settle, a fair well really not fair but feasible settlement would not be more than XXXX as again they have received almost triple the amount borrowed. Please help me I do not know what to do!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 10-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CREDIT ACCEPTANCE CORPORATION (VA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: The companies below ran my credit score without my permission and I want the problem to be fixed and the inquires to be taken off of my credit report ASAP. 

- XXXX XXXX on XX/XX/XXXX for auto finance - XXXX XXXX on XX/XX/XXXX for auto finance - XXXX XXXX on XX/XX/XXXX for finance - XXXX XXXX XXXX in XX/XX/XXXX for XXXX XXXX XXXX XXXX on XX/XX/XXXX for finance - XXXX XXXX on XX/XX/XXXX for auto finance - XXXX XXXX XX/XX/XXXX for auto finance - XXXX XXXX XX/XX/XXXX for auto finance - XXXX XXXX XX/XX/XXXX for auto finance - XXXX XXXX XX/XX/XXXX for auto finance

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 11/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with GENERAL MOTORS FINANCIAL COMPANY, INC. (TN).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: On XXXX XXXX, 2017, I went to purchase a car and had my preapproval from XXXX XXXX. I ended up not getting anything because the car I came to the lot for they was unable to find. It somehow was driven to a different lot. However, they I see XXXX XXXX submitted my credit and ran it thru numerous companies which I did not authorize as I had my preapproval paper work and did n't get to use it due to the car not being there. A company named XXXX out of XXXX XXXX, Ca ran my credit, XXXX aka XXXX XXXX XXXX XXXX, Tn GM Financial, XXXX XXXX, XXXX XXXX. None was authorized at all

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: Dear Sir or Madam of the CFPB, As of XX/XX/XXXX I have submitted multiple requests to TransUnion requesting the removal of inaccurate public records on my credit report. 

On XX/XX/XXXX, TransUnion admits to using a third party to me on their recorded line yet refused to provide me with the data furnisher information to correct and have these two public records deleted that are inaccurate.

The CSR for TransUnion clearly stated that they do not/ did not verify the information of the tax lien and bankruptcy record with any court nor the court TranUnion has listed as the data furnisher. 

Without such information and TransUnions refusal to provide such information, I am unable to correct the errors and continue to suffer. 

TransUnion is not in compliance with NCAP as it relates to these 2 public records appearing on my credit report.

TransUnion has refused to provide contact information for their third party data furnisher after requesting how the two records were verified. This is in violation of the FCRA. 

I have personally spoken to both Court Clerks for each respective erroneous public record entry and confirmed with the Clerks office they DO NOT VERIFY Public records to ANY credit bureau. My personal information, including my address and SSN are not in their records. 

Please investigate and assist in resolving the matter.

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 10-03-2016 about Bank account or service (Checking account) with Fidelity National Information Services, Inc. (FNIS) (LA).
Issue: Deposits and withdrawals

Complaint: i went to go cash a check and it was not authorize and i did not know why the cashier gave me a receipt sayin i had to contact CERTEGY CHECK so i did they and sent a letter Sayin no information on file

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09-11-2016 about Mortgage (Home equity loan or line of credit) with FIRST TENNESSEE BANK NATIONAL ASSOCIATION (MD).
Issue: Loan modification,collection,foreclosure

Complaint: I took out a line of credit loan back in XXXX the loan was for 20 years. for the first 10 years which ended in XXXX my payment was {$760.00}. without any warning my payment went to over {$2800.00} starting in XXXX. I could not make such a large payment and continued to make a {$760.00} payment per month to this date. the bank is threating forcloseure if all arrears are not paid by XXXX. I have applied for a loan modification and waiting to hear about that. my first mortgage is nearly paid off. I have lived here 25 years and need help.

Company response to consumer: Closed with explanation
Consumer complaint received 01-09-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with DISCOVER BANK (MO).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: i checked in my credit report ( XXXX XXXX ) and once again .in my inquiry type : FINANCE, PERSONAL LOAN, DISCOVER INQUIRY DATE XX/XX/XXXX.. (  XXXX ) XXXX address :XXXX XXXX XXXX XXXX XXXX, DE ,XXXX XX/XX/XXXX. 
another Discover bank card was tried to be used in my name, or a personal loan, Discover Credit Operation team. 
XXXX aplication numb. # XXXX XXXX thes discover bank cards and personal loans is not by me ... ( FRAUD ) ... I understand some did receive a personnal loan threw discover..i put in 4 disputes to get this removed ... im on XXXX.. ssi ... like to give ( CFPB ) authority to request information in that file that was in my name.. ID.THEFT.

Company response to consumer: Closed with explanation
Consumer complaint received 02/21/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Ideal Collection Services, Inc. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have made multiple requests to XXXX and XXXX to send me proof of this debt owed and still have not received. They send back a letter stating verified. I have contacted Ideal Collection Services to ask for a contract between them and I but have not received anything. I am currently threatening to be homeless due to apartment agencies and mortgage companies showing I owe money to an apartment complex that I do not owe. They also have these documents under XXXX XXXX and I was not XXXX XXXX at that time due to my divorce.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/19/2017 about Credit card () with AMERICAN EXPRESS COMPANY (NY).
Issue: Billing disputes

Complaint: I made a purchase from XXXX ( " XXXX '' ) on or about XX/XX/2016 and used XXXX credit cards to pay for this purchase -- Amex and XXXX Master Card. XXXX failed to deliver the merchandise in the condition promised and I refused to accept delivery. I disputed the charge with both, Amex and XXXX Master Card. After a lengthy investigation, XXXX resolved the dispute in my favor and issued a permanent credit. Even after XXXX has accepted return of the merchandise, Amex continues to refuse to resolve the dispute in my favor and issue a permanent credit.

Company response to consumer: Closed with explanation
Consumer complaint received 03/26/2016 about Credit reporting () with EQUIFAX, INC. (MD).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I settled a deb with XXXX XXXX XXXX XXXX XXXX in XXXX 2014. They reported this to the credit reporting agencies. Both XXXX and Equifax do not have updated information on this debt, which should be noted as " legally paid for less than the full amount, settled '' to be fully FCRA compliant, and this should be dated from the time the debt was settled : XXXX 2014. Instead, this shows 'charged off ' and this is showing up as a charge off on successive months on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 02-10-2016 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. ().
Issue: Account opening, closing, or management

Complaint: From XXXX to XXXX XXXX XXXX moms death ... Chase has failed to honour moms Pleas to help her get her hard earned ssa.money..presently Jpm Chase bank is now flat lining my queries standing and maintaining a wall of silence..all their documentary requests have been fulfilled namely my XXXX passport ... moms death certificate From the XXXX..she s a us citizen ... .I sent my birth certificate..Chase request for disposition of funds notarised by a us embassy and finally a statement from us social security which apallingly they continue to ignore and the fact that sea XXXX. ..where i reside gave me XXXX XXXX XXXX statement and Chase continues to ignore XXXX after 3 yrs is criminal I hope justice is served and chase releases where my inheritance of approx XXXX us dollars that 's XXXX monthly XXXX months XXXX hidden XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 01/14/2016 about Debt collection (I do not know) with Real Time Resolutions, Inc. (WA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I 've been getting repeated attempts to contact me on my business line ( from an automated dialer ). I 've called back twice, once I left a message and a second time I talked to a live person that verified the debt is not mine. Still they contact my number looking for someone I do n't know. The calls started on XXXX and have gotten a call on these days since : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX. I spoke to them on XXXX and it has n't stopped.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 12/21/2016 about Mortgage (FHA mortgage) with LEADER ONE FINANCIAL CORPORATION (MO).
Issue: Application, originator, mortgage broker

Complaint: Applied home loan there was incorrect item on my credit report loan officer preapproved loan stating this error not an issue as we had proof of error. Made offer on home XXXX XXXX asked officer on phone and email if loan was good to go she said yes several times. Gave landlord notice. Come mid XXXX XXXX weeks before close. Officer states that error is an issue get a lawyer. I scrambled to get it fixed on my report. They ask seller for extension but said she might not wait till report is fixed. I wrote email saying why did n't you as an expert forsee this would be an issue. Could have been fixed in XXXX why did you say it 's all good go home shopping.? I paid appraisal but asked to put it on hold they said too bad too late.. The credit report was fixed XXXX XXXX with a close now XXXX XXXX. They claimed even though we were good to close needed time to fund they asked seller to extend possibly few days to 1 week. Seller refused cancelled contract. I was totally misled misinformed due to loan officer negligence lack of knowledge she even told me back in XXXX she ran my report past a underwriter but later admitted it was just score and income approved. As someone who does this for a living she should have stated this needs to be fixed before we proceed. Not it 's all good it 's not an issue. Go home shopping your preapproved. She then sent me unprofessional email saying I hurt her feelings after stating I was misled costing me stress loss of my home and XXXX dollars on appraisal. And I should n't point a finger at her. I want my XXXX refunded. ASAP.

Company response to consumer: Closed with monetary relief