milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03/30/2015 about Debt collection (I do not know) with Accounts Receivable Consultants Inc. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: XXXX XXXX ( from Accounts Receivable Consultants ) contacted me this morning asking for information on how to get in touch with my husband 's brother. When I asked what it was in reference to, he told me that it was a " personal matter '' and that he wanted to " extend an olive branch to my brother in law ''. The number he used to contact me is my cell phone and is on the do not call list. I explained that to him and he said that he would remove my name from his call list. So, why is there a call list for a personal matter? 

What is bothersome is that a ) he did not represent himself truthfully as a debt collector and b ) I have not authorized anyone to use my number as a reference for credit and have never cosigned a loan of any sort so I am not sure where he found my unlisted number. I feel his tactics were fraudulent at best. 

The number he called me from was XXXX. The call back number he gave me was XXXX. XXXX numbers are connected to Accounts Receivable Consultants located at XXXX XXXX XXXX, XXXX XXXX, XXXX, TX XXXX. The company website is www.accountsreceivableconsultants.com.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/21/2017 about Consumer Loan (Vehicle loan) with BMW Financial Services NA, LLC (CA).
Issue: Problems when you are unable to pay

Complaint: I had previously filed a complaint regarding BMW Financial and my car loan. Although they provided an accounting record and a copy of the contract, it was never made clear at any point that the deferred payments would be due in a lump sum. The terms at the end of the loan were not clear and fine print language that was never explained. The terms were not explained to me when I was offered the opportunity to defer the payments. While I was awaiting a response and reaching out to BMW in response to a letter from them, when I called I was told that my account had been charged off-while I was awaiting a response to my complaint. My credit had been further damage and my loan charged off, while I was told BMW was researching and would contact me. 
In addition, my balance due amount has drastically increased and I am concerned as to that calculation.

Company response to consumer: Closed with explanation
Consumer complaint received 04/14/2016 about Bank account or service (Checking account) with BMO HARRIS BANK NATIONAL ASSOCIATION (NY).
Issue: Account opening, closing, or management

Complaint: BMO Harris advertises that " Open a BMO Harris checking account ( BMO Harris Select Checking and BMO Harris Portfolio Checking ) and receive a bonus of {$200.00} when you set up a qualifying recurring direct deposit of at least {$300.00}. '' I have completed the requirement many months ago and they have refused to pay the bonus.

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 04-04-2015 about Credit card () with AMERICAN EXPRESS COMPANY (PA).
Issue: Other fee

Complaint: American Express is demanding payment of old annual fees on a dormant account otherwise with no balance or charges. 

I encountered severe problems affecting my health and my wife managed my business affairs. American Express insists on collecting annual card fees for that time despite the fact that they sent no notices and the account has been idle for at least 5 years. This is unconscionable as I received and asked for no services from them during that time.

Company response to consumer: Closed with explanation
Consumer complaint received 05-10-2015 about Credit reporting () with Experian Information Solutions Inc. (UT).
Issue: Credit monitoring or identity protection
Sub-issue: Billing dispute

Complaint: I was charged by Experian every month for membership that I did not agree to. I signed up for a 1 dollar credit report and instead I was charged {$22.00} a month for five months. I never agreed to this. Experian stole around {$88.00} from me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/19/2015 about Consumer Loan (Installment loan) with SUN LOAN COMPANY INC. (AL).
Issue: Managing the loan or lease

Complaint: I went to a local Sun Loans branch to pay of a charged off account. The amount I expected to pay was {$290.00} plus a late fee of {$10.00}. The Manager and assistant manager of the location informed me that the late fee was {$60.00}. I had actually defaulted on the first payment due to loss of employment. I explained to the XXXX Sun loans reps that there should only be XXXX late fee as once the account is late I should n't be charged additional late fees. I was then belittled by the store manager and told that I would have to pay the late fees totaling {$60.00} which is XXXX late fees instead of the XXXX late fee. I asked the manager to show me the signed contract stating that I was responsible for paying cumulative late fees. She then produced the contract that according to how it was worded I should only be charged XXXX late fee. To prevent further attempts of belittlement by the manager at my expense, I then payed the amount they were demanding and informed them I would be filing a formal complaint concerning their business practices. The paid in full receipt list the {$60.00} as " Plus other charges ''. It does not describe what these charges are for. I work hard and honest for my money and do not appreciate a business not only attempting to belittle me but also overcharge me by using unfair business practices. Thank you for your time and help.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09-12-2016 about Student loan (Non-federal student loan) with SLM CORPORATION (CA).
Issue: Getting a loan
Sub-issue: Can't qualify for a loan

Complaint: I applied for a private student loan through Sallie Mae. I checked out my credit score prior and I am even working with XXXX to make sure my credit is up to date and good. My credit score is good which is XXXX. They did not approve me for a private loan for my XXXX which would mean that I would eventually be making XXXX starting out after getting my degree. I am now making roughly XXXX. I think they discriminated against me because I am a single parent, minority and my age which is XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02-07-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NC).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: When I paid the loan off in full, early. They reported my account 30 days late and can't provide me with proof. Tried three times with the company XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Sc XXXX. Reported to Experian credit Agency, but they never investigated much, just made a phone call. Have all canceled checks to show proof on my part but no effort has been made on either party.

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 01/21/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (CT).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I have been compliant with payments and my overall loan amount is not decreasing. When I call to inquire about it I get a vague answer as to why my loan amount owed continues to increase. Ive expressed numerous times that I ca n't afford the monthly obligation and i am very unhappy with the services. The reps do not provide you many options when speaking with them in regards to lowering your payments

Company response to consumer: Closed with explanation
Consumer complaint received 06-09-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Aargon Agency, Inc. (IL).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: AARGON ORDERED EXPERIAN TO COMMIT CREDIT COLLECTION AND REPORTING FRAUD AND REFUSES TO REMOVE SAID ACCOUNT AFTER PROVING THAT THE ORIGINAL CREDITOR IS ACCEPTING PAYMENTS IN VIOLATION OF FDCPA, FCRA

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 01/19/2018 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (LA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XXXX XXXX XXXXXXXX from 2015 I never had a loan from XXXX XXXX XXXXXXXX at all, and they keep charging me.

Company response to consumer: Closed with explanation
Consumer complaint received 01-05-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with SANTANDER CONSUMER USA HOLDINGS INC. (SC).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: XXXX XXXX XXXX XXXX pulled credit without permission

Company response to consumer: Closed with explanation
Consumer complaint received 09/22/2017 about Student loan (Federal student loan servicing) with AES/PHEAA (DC).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: I am following up on my earlier complaint with CFPB in regards to my student loan servicer, FedLoan Servicing. CFPB closed out the complaint after receiving a response from FedLoan indicating that the issue would be resolved shortly. That was about 6 months ago and I have still heard *nothing* from FedLoan about the correct attribution of my Public Service Loan Forgiveness payments ( even after calling/emailing over 2 dozen times over the past many months ). I would like to reopen my case ( XXXX  ) to resolve the issue. I have also reached out to the Department of Education a few times about this ongoing issue, but they have been unable to assist me ( I have n't even received any info from the Dept. of Ed. about my case ).
Can anyone explain to me why it has been 9 months and FedLoan still can not accurately count the number of PSLF qualifying payments on my account? Or even why, after 9 months, no one from FedLoan can even tell me what 's going on other than to say that I have to wait longer?

Company response to consumer: Closed with explanation
Consumer complaint received 12/24/2017 about Credit card or prepaid card (Store credit card) with CAPITAL ONE FINANCIAL CORPORATION (TX).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: I am signed up for electronic statements and set up to receive email notification when the statement is available. Back in early XX/XX/XXXX, I stopped receiving email notifications when the bank changed to Capital One and then I had received email notifications for a few months and now they have stopped again. I did n't receive notification for XX/XX/XXXX nor XX/XX/XXXX. My settings with the bank and my email address have not changed. I remembered to make my payment in XX/XX/XXXXon time but did n't remember to make the payment in XX/XX/XXXX and now I have a late charge. I know that a statement ( or notification of a statement ) is required to be delivered 21 days in advance of the due date and this bank is not complying with this requirement.

Company response to consumer: Closed with explanation
Consumer complaint received 01/26/2017 about Debt collection (Payday loan) with D2 Management LLC (OH).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Received a call from D2 management saying that I owed a payday loan from XXXX. I said that is it false and the woman said it is over 1100 that I owe. I said I know my rights and I want something in writing and she said that the have my SSN number but would only give the last four. She stated I would be in big trouble and then I hung up.

Company response to consumer: Closed
Consumer complaint received 12-02-2015 about Bank account or service (Checking account) with UNITED SERVICES AUTOMOBILE ASSOCIATION (TX).
Issue: Account opening, closing, or management

Complaint: UISAA has confusing balance issues that causes bounce checks and over drafts. They also have cleared items problems that makes no sense. Usually an Item is cleared and a few days later, it shows as just coming out of our balance. We are never sure sometimes what 's in our account or not. My husband and I are both XXXX veterans. We had insurance with USAA Federal Savings Bank for over 10 years now. They declined giving us insurance in XXXX after we moved back. We filed for insurance change XX/XX/XXXX From XXXX to XXXX. They said we are high risk and they can only continue our XXXX policy that we already had with them even though we 're in XXXX. My husband is a XXXX XXXX veteran of the XXXX XXXX. I 'm an XXXX XXXX XXXX XXXX XXXX veteran. I joined USAA XX/XX/XXXX, when I got XXXX. USAA used to keep their word, but now USAA does not care about their members anymore.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12-05-2017 about Mortgage (Conventional home mortgage) with BAYVIEW LOAN SERVICING, LLC (CA).
Issue: Trouble during payment process

Complaint: Baview Loan Servicing XXXX I was NEVER LATE on this account. On my credit report, they are reporting late payments from XX/XX/XXXX througXX/XX/XXXX which is completely inaccurate. I HAVE ALWAYS MADE MY PAYMENTS ON TIME. Every time I call them they tell me that there are NO late payments but somehow they seem to still be reporting on my credit file and preventing me from getting the credit I deserve. I have also attached proof of payments made on time. I need for Bayview to correct this MEGA error immediately!!

Company response to consumer: Closed with explanation
Consumer complaint received 09/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: I have tried to submit a dispute with the credit bureaus and I keep getting a file can not be located. I sent for a claim to be disputed on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Each time they have sent it back saying my file can not be located. This is unethical and against the law. There 's is only one person with my name, address, Date of Birthday, and social security number. Which I have proveide to them on every letter. They not wanting to do their job and they refused to do their job. They should be held accountable. I ask for the bureaus to remove the account that does n't belong on my credit file. After their investigation, send me a copy of what they just to verified the account if they deemed the account to be mines. I have already spoken to the business that stated the account was mines and they could not provide me any documentation that the account belongs to me. So why is the accounts still on my credit file. Why have n't the credit bureaus sent me anything documentation which stating the account belongs to me. They 're not granting my request of permissible purpose, and if they do have permissible purpose, where is their proof? Where 's the promissory note or contract with my signature binding me to the contract. The representative told me over the phone that the my used a screenshot of what the creditors sent them to verify the accounts. That 's against the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CITIZENS FINANCIAL GROUP, INC. (TN).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: This account was my second mortgage. It has been paid in full; however, the lien holder states that the payments were late. I went through a Deed in Lieu with this mortgage company and the payments were slowed because of that. Please have all late dates and times removed from my XXXX and XXXX reports.

CITIZENS ONE HOME LOANS XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX
Date Opened: XX/XX/XXXX Responsibility: Individual Account Account Type: Mortgage Account 
Loan Type: SECOND MORTGAGE Date Updated: XX/XX/XXXX Payment Received: XXXX
Last Payment Made: XX/XX/XXXX Original ChargeOff: XXXXXXXX
Pay Status: >Account paid in Full; was a Charge-off< Terms: XXXX per month, paid Monthly for 180 months Date Closed: XX/XX/XXXX >Maximum Delinquency of 120 days inXX/XX/XXXX and in XX/XX/XXXXfor XXXX< High Balance: High balance of XXXX from XX/XX/XXXX toXX/XX/XXXX; XXXX from XX/XX/XXXX toXX/XX/XXXX Estimated month and year that this item will be removed: XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXXXX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 11/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Due to the XXXX breach we froze our credit accounts with all three credit bureaus however Transunion 's eBureau division is still rating us as of XXXX,2017. With erroneous information.

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 05/27/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I 'm am trying to clean up my credit, during this process I noticed an entry from XXXX XXXX. XXXX bought an old note for a XXXX mortgage on a property that was foreclosure on my a sheriffs writ. It has been over 6 years since the foreclosure and XXXX XXXX nor anyone else has sued me for this mortgage thus the statue of limitations on contracts has expired. The eliminates any right for green tree to try to collect this debt. I do understand that they can keep reporting this on my credit report for 7 years but they are stating the account open and owing 15 thousand dollars. They are reporting it incorrectly. Any major purchase will be denied because they have me owing them money on a second mortgage that was foreclosed on and is no longer mine. this XXXX mortgage was signed for on XXXX and the official deed was transferred via sheriffs writ on XXXX. I have attached a copy of the deed transferee as proof. I have never heard from XXXX XXXX on this mortgage and they have never reported it on my credit report ever until recently XXXX. They have never made any contact with me on this issue until 6 years after foreclosure. I need this taken off or reported correctly as not owing this money. I have also enclosed a copy of the letter to XXXX XXXX which has shown absolutely no response. Lastly I contacted Transunion, XXXX and XXXX to dispute it they now show this entry nor the account number ( both in the letter attached ) is no longer reporting this. My creditor has a copy of my credit report that does show the entry. I have spoken to green tree and they will not report it any other way than open and default of 15 thousand dollars even though they have no legal right to do so.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Synergetic Communication Inc (NY).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: XXXX has refused, since XXXX XXXX, over 40 documented requests to inform me of its loan final payment calculation. XXXX deliberation audio evidence is available for review and verification.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/29/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I have disputed the information to Trans Union and have requested the method of verification and Trans Union has never submitted the information regarding how and whom they spoke with to determine how the inaccurate / erroneous information was verified. I understand that they had 15 days to verify stating that I made a last payment XX/XX/XXXX Trans Union has verified this inaccurate / erroneous information and then have ignored my requests for the method of verification as provided under the Fair Credit Reaporting Act.This inaccurate INFORMATION SHOULD BE REMOVED FROM MY CREDIT REPORT IMMEDIATELY..

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 11/22/2017 about Credit card or prepaid card (Payroll card) with NETSPEND CORPORATION (FL).
Issue: Unexpected or other fees

Complaint: My prepaid skylight one card was stolen on XX/X/17. Using my card from {$1100.00} down to roughly {$100.00} using all signature purchases. I filed a dispute and they are refusing to give me my hard earn money back.

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 01/21/2017 about Credit card () with Alliance Data Card Services (IL).
Issue: Other

Complaint: I have a paypal account line of credit. I used it to purchase a dresser from their online store. Well the item was supposedly delivered to a Sears store in XXXX XXXX IL but I never received it. During all of this I received the run around for hours. All I want is my XXXX put back on my paypal account without waiting forever. I was informed 10 days the 30 days.. I just want my money. I will never order anything from them online again. I believe the item was stolen and they want to cover it up.

Company response to consumer: Closed with explanation