milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (OR).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I had a loan for a vehicle that went to my ex wife. She chose not to pay the loan so I was in contact with XXXX XXXX XXXX XXXX that had the loan and gave them the location of the vehicle so they could repo the vehicle. I did n't want the vehicle and they said they would sell it and I could pay the difference off. I agreed and payed the vehicle off on XX/XX/XXXX. I went to buy a house XX/XX/XXXX and noticed it did n't say paid in full. I asked them to please state this on my credit report. They did but put it as paid in full on XX/XX/XXXX, not XX/XX/XXXX. Now I have to live with this on my credit report for another 7 years or maybe 10 years until it drops off my credit. They wo n't help with this. I would like to dispute this reporting so I can get my credit where it belongs.

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 01/27/2017 about Debt collection (Medical) with CMRE Financial Services, Inc. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I have called and left messages as well as waited on hold multiple times for over 20 minutes at a time. I have never once gotten anyone willing to take my money for the {$60.00} I owe. No one has ever called me back on my multiple messages left to make my payment after leaving clear, concise, information about my and my information. The hospital is also refusing to take my money. I have now tried calling again today 4 times and have been hung up on each time and no one will take my payment. I am in collection and should not have been even for one day because they are not allowing me to pay by debt.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 10/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: I contacted this agency and requested verification of the documents and even though the letter was signed for I have never received a reply from the letter mailed on 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 non-monetary relief
Consumer complaint received 07/14/2016 about Payday loan () with Big Picture Loans, LLC (CA).
Issue: Charged fees or interest I didn't expect

Complaint: I had applied for a loan from Big Picture Loans in the amount of {$600.00}. I was told there would be a finance charge of {$150.00}, which was n't an issue since I was expecting some sort of interest charge to be accrued for borrowing money. I agreed to the finance charge and the loan was processed. After processing the loan, I was provided with the Loan Agreement, where I noticed in the Truth-In-Lending Disclosures there would be additional finances charges for the remainder of the loan in the amount of {$2600.00} ( which was broken down over XXXX payments ), totaling the loan to be {$3200.00} -- this is not what I was expecting when asking to borrow such a small dollar amount and if I were made aware of these fees before the loan was processed, I would have never processed the loan. But unfortunately for me, the loan was processed first, and then the loan documents were available for me to view AFTER everything had been finalized. This is beyond ILLEGAL, and I will proceed with further action.

Company response to consumer: Closed with explanation
Consumer complaint received 01/22/2016 about Payday loan () with TMX Finance LLC (GA).
Issue: Charged fees or interest I didn't expect

Complaint: I went to this loan company and i took out a {$600.00} dollar loan the man took my app and i gave him my info i am on social security i told him to please keep the payments low he said he will so when i went into pay my 1st payment it was {$110.00} dollars i asked the lady why was it that much she said that i was not suppost to be on a installment loan that it was moved to a payday loan i asked her when the man was that i needed to talk to him she told me that he was not working with them anymore so i asked her to keep the payments low she agreed but on my 2nd payment it was not bad at all it was {$70.00} so when it was time to pay my 3rd payment i was really upset they wanted me to pay {$90.00} and i did offer them the {$80.00} dollars but they refused to take my payment and not they say i owe each day a late fee of {$35.00} dollars. I am on a small income i told them and they sad that it was my problem, They call me many times a day and on the weekend non stop back to back calling they even call me from their own cell phones they said that i have no legal rights but what gives them the right to change my personal installment loan over to a payday loan this is so wrong. when i talk to them on the phone they are so hate full talking to me. What Rights do I have, Thank You.

Company response to consumer: Closed with explanation
Consumer complaint received 06/20/2016 about Credit reporting () with Experian Information Solutions Inc. (MI).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have a credit card opened in my name that I did n't open. It has been two weeks and they said they were going to send paper work, but they said no paper work they are just going to call my credit companies and have it removed. I purchased a pair of glasses at XXXX and the next day someone opened a credit charge account at the store. It has made a severe Impact on my credit score, beings that my credit score is really good.

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 09/28/2017 about Debt collection (Credit card debt) with Alliance Data Card Services (CA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I 've told paypal that they have the wrong name listed and they keep on calling me starting at XXXX XXXX all the way to late in the evening up to seven times a day everyday since XXXX 2017

Company response to consumer: Closed with explanation
Consumer complaint received 07-02-2015 about Debt collection (Mortgage) with VANDERBILT MORTGAGE & FINANCE, INC (TN).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: calls me most everyday and has called XXXX a day and has called me a XXXX. When I asked them not to call they told me that if I did that my full mortgage amount would be due.

Company response to consumer: Closed with explanation
Consumer complaint received 11-06-2017 about Debt collection (Medical debt) with J&L Collection Services (OR).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: XXXX/XXXX/XXXX I had an XXXX with XXXX XXXX XXXX. I had met my deductible and I had preaproval. XXXX did n't bill my insurance properly. I contacted my insurance they advised me how to call XXXX and ask them to rebill. I did repeatedly. They refused at first. My doctors office called and asked XXXX to rebill. XXXX sent me to collections. Finally XXXX wrote off the amount from my account but they did not take it out of collections like they told my insurance, myself and the doctors office they did. I have asked the collection company to audit the account. I just did again. They are collecting interest and are still asking me to pay a bill that XXXX no longer is requiring me too pay.

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 11-10-2016 about Credit reporting () with EQUIFAX, INC. (IL).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: Negative information should be removed after 7 years from the credit report. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX XXXX, IL XXXX is reporting information that is over 7 years old. I asked Equifax to find out the date when this debt was open and became due and they just ignored my question. I also asked Equifax not to put the date of birth or SS N on the reports they send to me because my mail has been stolen several times. They refuse to do so. Negative information that is over 7 years old should be removed from one 's credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 10/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, 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: Each complaint I make is resolved and other errors appear XXXX  said it completed its investigation of my complaint of XXXX XXXX XXXX XXXX account it said it did not have complete information I gave them a three-paragraph statement along with dates names and full information the Creditor isre reporting for example no payment received in XXXX or XXXX yet they take it directly from my bank account on auto pay I have advised the credit bureau of this they still reported that way I can prove it it comes out of my bank account automatically between the XXXX - XXXX of the month until paid in full 2017 the next payment will come out in XXXX 2017 the prior payments were XXXX between XXXX XXXX and XXXX and XXXX XXXX and XXXX both in 2017 they also report me as {$7.00} past due I am not past you they themselves take it from my account per our agreement my high credit limit is incorrect they do not report the {$300.00} original credit limit and the {$61.00} original purchase from XXXX XXXX XXXX XXXX they report credit limit of XXXX and a balance of XXXX this is incorrect the high balance ever was {$61.00} principal for jeans I purchased the remaining amount is fees and interest that I pay monthly from my bank account per oral agreement which was recorded by them I gave them XXXX XXXX XXXX XXXX account my routing and bank account number they take {$20.00} per month every month the balance is {$100.00} as of today 's date XXXX XXXX their last reporting was XXXX XXXX of incorrect information last payment received in XXXX not true it comes directly from my bank account they receive payments in XXXX and XXXX both in 2017 how does XXXX  see this as incomplete information? I am also not in right off as XXXX XXXX claims with XXXX XXXX because they take their money directly from me XXXX XXXX the original creditor they have been doing so since XXXX 2017 they made payment arrangements that were recorded by them with me XXXX XXXX 2017 they accepted {$61.00} for principal owed and agreed to waive the equal amount of {$61.00} in late fees and interest which they did it 's on my statement and their statement and then they agree to take my bank account number to automatically withdraw XXXX per month until interest and fees were paid off which they are doing yet XXXX days later they report me as a write off as they continue to take money from me this is XXXX XXXX  has not investigated this properly at all

Company response to consumer: Closed with explanation
Consumer complaint received 03/19/2018 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with WELLS FARGO & COMPANY (NJ).
Issue: Fraud or scam

Complaint: XX/XX/18 I made a transfer to XXXX XXXX for {$600.00}, address ; XXXX XXXX XXXX XXXX AL XXXX. XXXX # XXXX at Wells Fargo Bank. It was online banking, then I called XXXX XXXX XXXX to let them know about the wire transfer, the employee told the wire will be rejected since I didnt have the wire code for Wells Fargo and I was suggested to redo it, which I did. I couple days later, I checked my account I saw the was sent twice. I riched out to XXXX XXXX XXXXXXXX to find why this was happened. They recalled the second transfer and Wells Fargo said the receiver refused to send the money back because he said he received the money twice Wells Fargo made him pay {$3.00} because of the recall

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 04/29/2016 about Mortgage (Conventional fixed mortgage) with QUICKEN LOANS, INC. (MI).
Issue: Settlement process and costs

Complaint: I 'm having extreme difficulty with Quicken Loans 's unscrupulous business practices & breached or lack of commitment to what has been promised in terms of rates/costs for a potential refi in process.

Company response to consumer: Closed with explanation
Consumer complaint received 05-11-2017 about Debt collection (I do not know) with Experian Information Solutions Inc. (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Please be advised that this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance. Despite my previous 2 written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You stated in your responses to my 2 dispute letters that you have verified that the items listed below are accurate but you failed to send me copies of the documents that you used to verify these accounts as per my request. The fact that you have ignored my request to send me copies of the documents that you used to verify the disputed accounts is evidence that you cant and did not verify any of the disputed accounts like you said you did. Your failure to delete the disputed accounts that you cant verify after two written requests is also evidence of your willful disregard of Federal Law.
When we go to litigation and through the discovery process you will be required to produce these documents along with an affidavit swearing under oath that these are the true and correct documents that you used to verify the disputed accounts. The fact that you dont have any of the said documents in your files is proof that you did not properly verify the accounts within 30 days as required by law and the Court will order you to delete them.
You say that you have reinvestigated these accounts but youve admitted that all you have done is parroted information given to you by other sources and shifted the burden back to me to contact the original creditor to verify these accounts which is clearly in violation of 1681 ( a ) ( 4 ).
I also asked you to give me the name of the person in your company who verified the accuracy of these accounts but you ignored this request as well which is another violation of Federal Law and evidence of your willful disregard of the law.
Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. I request that you do this immediately.
The law is very clear as to the civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I demand that you delete all of the accounts listed below immediately & provide me with a copy of an updated and corrected credit report showing that these items have been deleted.          XXXX   XXXX   XXXX   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 non-monetary relief
Consumer complaint received 07-01-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: The account account in dispute. 
XXXX : XXXX This account was chrged off XX/XX/XXXX the date has been changed and this account should have been deleted XX/XX/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 non-monetary relief
Consumer complaint received 10-12-2016 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (TX).
Issue: Account opening, closing, or management

Complaint: My accounts with Chase Bank were closed without notifying me. They may send a letter but by the time I get it the damage is already done. My son had some alleged fraud activity associated to his account which is a XXXX Account and is linked to me. My son spoke to Chase and they advised him of the fraud and did advise him that they were going to close his account and send him a check. He stated they told him that he could no longer bank with Chase which I thought was odd. I asked if he was telling the whole story and he claimed he was. I happen to check my account to confirm my mortgage payment had gone through and noticed my account did not look right. I called the XXXX # and put in my debt card number and this is when " I '' found out my accounts were closed. I spoke to a representative that got smart when I asked, " so you close my account without telling me? '' His exact words were, " I just did ''. At that time I requested a manager. He placed me on hold I just disconnected the call and immediately went to a local branch. They were not any help there either. I still have not found out why my account was closed or why they said I can NO LONGER do business with Chase. I have been with Chase for years and I can not believe they would do me like this. I have not done anything to make them do this. I looked up reasons as to why a bank would close an account and none of them pertain to me. I just want to be treated fairly and at least get an explanation as to why MY accounts were closed. I can understand closing the XXXX account ... .but why mine? My son is a member of the United States XXXX currently in New Mexico. There was a question about service member. I am not a service member but my son who also is affect is.

Company response to consumer: Closed with explanation
Consumer complaint received 06-12-2015 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: My address on my credit report has several variations which occur when people enter the information incorretly, I have an address reported on my credit that I have never resided and never lived, and I have a name on my credit that isnt me as I have never been married and I only have XXXX legal name and have never used an additional name.

Company response to consumer: Closed with explanation
Consumer complaint received 07/19/2016 about Credit card () with SYNCHRONY FINANCIAL (MN).
Issue: Late fee

Complaint: I got some calls from Synchrony regarding my XXXX furniture account. It turns out my scheduled payments had run their course and I was 2 weeks XX/XX/XXXX. I told the man on the phone that I wanted to pay XXXX and he pressured me to pay XXXX as well. I asked if I had incurred a late fee and he stated " You were late on your payment so obviously there was a late fee. '' I said that I would pay XXXX and XXXX right then if he could waive the late fee. He then stated that IF I paid even more money THEN he would see if he could waive the late fee. I repeated back to him to make sure that I understood. I asked him " So, if I pay more than I owe for XXXX AND XXXX then you might be able to waive the late fee? '' He stated yes, that if I paid a total of {$100.00}, only {$11.00} more than my XXXX and XXXX combined payments, then he could waive the approx. {$37.00} late fee. I repeated back to make sure that I was really understanding him ... .that if I paid MORE than the two payments then he would waive the fee?? He stated that yes, it was better for my account ( ma'am ). I truly did repeat again and he stated yes, that it was better for my account and that I COULD pay just the {$89.00} but if I paid {$100.00} then he would waive the approx. {$37.00} late fee. Ultimately I said I would log in and pay the {$100.00} when I got home ( I was driving ) and he then made me promise that I would pay the {$100.00} and then, once my payment was received, the late fee of {$37.00} would be removed from my account. I have actually NEVER had this kind of negotiation over a late payment / fee and especially where I was being told that I had to pay not only my XXXX missed payment ( it is XXXX XXXX today ) but ALSO my UPCOMING payment AND some extra in order to waive a fee because " it was better for my account ''. ( I only owe just over {$600.00} on the card ). 

Is this legal? it seems like it should not be. 
Thank you. 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 monetary relief
Consumer complaint received 01-04-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with The CBE Group, Inc. (KY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: CBE Group is still reporting unverified debt that is n't mine on XXXX and XXXX. They have not only changed the spelling of my first name that was spelled, XXXX, at first and gone back, I believe had it changed too XXXX. I have never been XXXX NOR XXXX XXXX! Have ask for verification of this alleged debt belongs too me, XXXX XXXX. And if so, send the orignal documents for XXXX XXXX and has yet to seek. They 're not only reporting a debt that is n't mine but also sold this alleged debt to another company but yet still reporting on my credit profile that they own this alleged debt.

Company response to consumer: Closed with explanation