milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10-11-2016 about Debt collection (Medical) with Paramount Recovery Systems, L.P. (TX).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: XXXX, Tx send my medical bill to Paramount Recovery System which is a third party about my debit. On XX/XX/2016 I sent a certifield mail. Under the Fair Debt Collections Practices Act, I have the right to request Validatin of the they say I owe.I am requesting proof that I am indeed the party they are asking to this debt.I feel that my HIPPA has been breach of my privacy.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06-11-2016 about Debt collection (Credit card) with DISCOVER BANK (GA).
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint: I received a phone call at XXXX XXXX XXXX on XXXX XXXX, 2016 from the office of " Attorney XXXX '' of XXXX XXXX, XXXX XXXX XXXX, XXXX, phone XXXX ). The call alleged that I was named in a judgment hearing by Discover Card, for a debt that was almost twenty years old. The person on the phone asked if I was aware of this litigation, which I was not. She then proceeded to say the debt was attached to my SSN ( which she did not give ) and recited my date of birth. She kept repeating the name " Attorney XXXX XXXX '' in response to any inquiry I had, as if that was supposed to scare me into paying on the spot. I told her to send any information regarding this matter to me, in writing, and hung up. 

While I do not dispute this almost twenty-year-old debt, I am complaining about the fraudulent, intimidation practices used to try and collect this debt. If I were truly being sued, I would have received formal, writren notification by now. 

I have also filed a complaint with the XXXX of XXXX Illinois ( XXXX complaint # XXXX ), as an internet search showed that this company had multiple complaints ( XXXX and otherwise ) against it. Thank you. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 03/31/2017 about Mortgage (Conventional adjustable mortgage (ARM)) with BANK OF AMERICA, NATIONAL ASSOCIATION (TX).
Issue: Loan servicing, payments, escrow account

Complaint: Bank of America sold my mortgage in XX/XX/XXXX. XXXX ultimately took on my home mortgage in XX/XX/XXXX and they modified the loan in XX/XX/XXXX. Bank of America continues to report my loan as delinquent in XX/XX/XXXX even though they sold the loan in XX/XX/XXXX. Since my modification, I have had stellar payment history only to have my credit ruined by Bank of America 's practices. I have disputed this several times with BofA through online disputes, only to have them not correct the issue and continue to report incorrectly. My husband is a fully retired XXXX vet and due to this error on BofA 's part, we were denied a VA mortgage loan.

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 08-11-2017 about Payday loan, title loan, or personal loan (Title loan) with TOTAL FINANCE AC LLC (IL).
Issue: Loan payment wasn't credited to your account

Complaint: Paid car note late but also paid for the {$25.00} late fee have been making partial payments and late fees. Also my car was totaled and I left a voicemail and they are still charging me for the month that it was totaled after I informed them and they 're charging {$100.00} more.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/16/2016 about Mortgage (Other mortgage) with Veterans Relief Services LLC (NV).
Issue: Credit decision / Underwriting

Complaint: We are receiving multiple calls daily from " Veterans Relief Services '' on phone number XXXX XXXX XXXX XXXX which are being placed by some kind of robocall dialing. They claim to be a non-profit organization wanting to help veterans refinance at lower rates. We informed them that we already have a low rate ( 3.25 % for a XXXX fixed rate loan ) and asked them politely not to call again. They have continued to call and are difficult to call back as their mailboxes are always full. I googled their website and the phone number the parent organization is listing online belongs to another unrelated business not affiliated in any way with Veterans Relief Services ( VRS ). They told me they are getting all kinds of calls from people who are angry because they are receiving robocalls from VRS. I suggested they file a complaint with the FCC. I am beginning to log their calls and making notes on my calls back to them and my request for them to cease calling so I can file an FCC complaint as well. I would never engage their services for a loan no matter how good the rates are because they are a nuisance and are illegally using another business ' phone number on their website. I strongly suspect that this is a phishing scam to get people 's personal and financial information. Beware!!!

Company response to consumer: Closed with explanation
Consumer complaint received 03-08-2017 about Credit card () with UNITED SERVICES AUTOMOBILE ASSOCIATION (WY).
Issue: Transaction issue

Complaint: I was contacted by Alpha Tech on XX/XX/2016.I received a lot of phone calls concerning search engines, key words, algorythms I ended up signing up with them, I paid them {$3500.00} plus {$75.00} per month on my USAA Mastercard , I would like to dispute those charges made by XXXX last year on XX/XX/2016. They promised me a web page, on 1st page in 30 to 45 days all I received was a lot of phone calls from different representatives offering more services and asking for more fees stating in order that my business be successful I needed a new service. Needless to say my website never moved up and I never had a customer inquiry. They have n't done anything that they promised they would and if I had any question I could never get in touch with anyone but they would always call me to ask for more money for sure. I would like to get my full refund from TSE. And I would like to start a dispute on these charges please. They prey on the elderly offering services that you do n't need, they overcharged ( price gauge ) and you lied making promises that you could not fulfill.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07-12-2017 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: There is a Bankruptcy on my credit report dated XX/XX/XXXX. Doing a proper search of the official publicly available court documents shows This Bankruptcy does n't meet the National Consumer Action Plan data Guidelines of XXXX that went into effect XX/XX/XXXXstating in short that the 4 identifiers earmarking the record are clear and present indicating the validity of the record. Additionally a recent online search as of XX/XX/XXXX shows that there is no current data on the XXXX website ( see attachment ) showing NO DATA as regards any federal court ruling against XXXX XXXX in the state of California from XX/XX/XXXX to XX/XX/XXXX, further corroborating that fact that any such records have been removed, vacated and or found to be null and void.

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 02-10-2018 about Debt collection (I do not know) with U.S. BANCORP (DC).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I informed XXXX XXXX XXXX XXXX that this debt is not mind and the did not respond to my debt verification and validation communication i sent them. Instead they send the debt to XXXX XXXX. This is not my debt

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 08-05-2015 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: This account was satisfied with the creditor XXXX XXXX XXXX ) the collection agency was XXXX XXXX XXXX, it was deleted back in XXXX of the current year. I am in the process of buying a house and I come to find out that the account shows up on my Experian report not only did my score go down, my interest rate being offered is higher and I can not buy my house until I get this issue resolved. I need this account deleted ASAP. I am submitting proof of deletion from other bureau.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04-02-2018 about Mortgage (Conventional home mortgage) with Specialized Loan Servicing LLC (NC).
Issue: Trouble during payment process

Complaint: In XX/XX/2018, my mortgage loan was transferred from XXXX XXXX XXXX c/o XXXX XXXX to XXXX XXXX XXXX c/o Specialized Loan Servicing LLC. 

I sent my XX/XX/XXXX payment ( amount XXXX ) to the new address ( XXXX XXXX XXXX, XXXX GA, XXXX ) with the old loan account number on the check. The check was cashed on XX/XX/2018 by Specialized Loan Servicing electronically and not credited to my account. 

I contacted SLS on XX/XX/XXXX explaining the mistake. A ticket was open to research it.

Resolution date from SLS is given as XX/XX/2018. That is after the RESPA protection window, so I may be subject to fees, penalties for this misdirected payment. 

This is not a timely resolution for a simple misdirected payment, in my opinion. And that my check was cashed and held by the servicer means that I would have to make double payments to bring my loan current.

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 11/30/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: I submitted a dispute in writing to TransUnion on XX/XX/2016. Not only did they not produce proof that the credit file in question belongs to me, TransUnion DID NOT respond at all. They have exceeded the allotted 30 days to respond to my dispute.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/26/2015 about Credit reporting () with Fidelity National Information Services, Inc. (FNIS) (MD).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I phoned the service and the bank and have not gotten any where. The account was closed and although, I do not feel like any money was owed it was paid anyway so that they would leave me alone. 

There was fraud on the account and they still made me pay and the charges did n't have my name connected to them. So the is just in no way right at all.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11/30/2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (CA).
Issue: APR or interest rate

Complaint: I have requested a lower APR from Capital One three times and continue to be turned down. Capital One continues to keep me at what is considered a penalty rate.

Company response to consumer: Closed with explanation
Consumer complaint received 11/28/2017 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Managing an account
Sub-issue: Fee problem

Complaint: I have been charged a large amount of fees for the past few years {$12.00} for " Overdraft Protection ''. I feel that they are adjusting debits in order to be able to charge all of these fees. I would like someone to please review this ASAP.

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 07-05-2016 about Credit reporting () with EQUIFAX, INC. (NM).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: I was applying for a VA Home Loan when the Equifax reporting agency pulled up information that was not related to accounts I had.

Company response to consumer: Closed with explanation
Consumer complaint received 04-03-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: In XXXX I purchased a vehicle and became ill requiring immediate surgery. I had XXXX through my employer, ( I thought ), and they did not make the payments. Needless to say I was without a salary for XXXX months. During this time there was no way to pay the loan and the vehicle was repossessed XXXX. I got married and my husband and I were purchasing a home and the mortgage company noticed a change in the date this was originally reported. The date went from XXXX to XXXX. The mortgage company and I conference called with XXXX XXXX with the original creditor and they confirmed the date was indeed XXXX and the company the account was sold to changed the date. The company was contacted by my current mortgage company on my behalf and stated they would correct the information, however, XXXX of my new credit card limits was reduced because of the same company reporting as of XXXX this account is " open, '' which is not possible because it was written off years ago. It is not " paid '' but it is not open. This would imply that I have the vehicle. I have since obtained a vehicle and do not have an open account with them. I would really like this to be reported accurately because I have worked too hard to clean up things from past credit hardships and this information is being reported inaccurately. I would appreciate any assistance in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 02-08-2016 about Consumer Loan (Vehicle loan) with CITIZENS FINANCIAL GROUP, INC. (PA).
Issue: Managing the loan or lease

Complaint: I have an auto loan with Citizens One Auto Finance of XXXX, RI. My loan is current to date and always has been. I have an excellent credit score of the high XXXX/low XXXX. My loan has no pre-payment penalty clause. This is where the problem starts, on four separate occasions to date I have sent payments for principal only to be applied ( when my bank provided remittance slip shows {$0.00} due ). I put the amount in the Principal line and they repeated ignore this direction and continue to treat it as a regular monthly payment and split the payment as interest and principal. In addition this bank makes it very hard to make a principal only payment, you can not do it via their on-line loan payment tool, you can not do it via my own bank 's pay bill by putting " Principal Only '' in the memo field, and apparently they ignore the information on their own bank provided remittance slip. 

When i call the bank it has been a mixed bag in getting anyone to do anything. One representative told me this is not like a mortgage ( whatever that means ) and that the bank will always split to get the interest they are due. Others tell me they will put a work order in to have the transaction corrected. 
This sounds and seems very much like a back handed way to get around the no-prepayment penalty portion of the contract. 
I have never dealt with a consumer finance organization like this that makes it exceedingly difficult to reduce your principal amount. Right now it is a stalemate. I never pay bills via check and the postal service any longer except for this bank. So now I have to write a check, send in the remittance slip, pay the postage, and then login to their online portal after payment is received and see that they took the interest out again. I call their call center, complain, and hopefully get a rep that understands the situation and backs out the transaction. 
Please look into this, if they are pulling this stunt on financially able consumer like myself, what are they doing to the less fortunate. 
I smell a rodent here. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 10/30/2017 about Debt collection (Credit card debt) with AMERICAN EXPRESS COMPANY (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: This is a complaint against American Express. I have been a victim of identity theft for two years and my XXXX credit report shows an open account without my permission, without my authorization but this is not the worst thing is that it was opened with another number of Social Security that is not mine, so what is this abuse and lack of respect, the bad work that your department does to report to an agency a fraudulent account in my credit report.

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 08/13/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with U.S. BANCORP (WA).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: XXXX XXXX XXXX, XXXX, XXXX has contacted my nephew XXXX XXXX, My sister XXXX XXXX whom they discussed my debt and case in depth with her, and my work. I called and was met with vague information. when I pressed for information on who they were and why they are calling, the man that I was speaking to became abusive. He told me I was being sued on a " federal debt that is exempt from limitation statutes '', the account is over 6 years old. He told me I owed them {$3100.00}, his attorney fees are going to be {$3200.00} and I could settle for {$1500.00}. I stated this is not a valid debt and he informed me that I just acknowledged the debt on tape " Because this is all being recorded '' I was not made aware they were a debt collection agency or that I was being recorded. I was then informed they have 15 attorneys they will be using to come after me. Again I stated this is n't a valid debt, he told me, " Good luck with that, We 're going to contact XXXX to garnish my wages '' ( my employer ) He also told me that I am on the XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07-04-2016 about Credit card () with JPMORGAN CHASE & CO. (UT).
Issue: Delinquent account

Complaint: Chase Bank : from XX/XX/XXXX to XX/XX/XXXX are misreporting that they wrote off the amount of the credit card. When it was actually sold to XXXX XXXX. I dealt with XXXX Collections and they are no longer on my credit report. However, Chase Bank refuses to change status to sold.

Company response to consumer: Closed with explanation
Consumer complaint received 02/13/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (PA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Greetings, I have initiated a multiple disputes with Experian over the past few months to remove unauthorized Inquiries they have failed to fully validated that I initated. It has been well over the 30 days given for Experian to respond with validated proof to delete these inquiries per the Fair Credit Reporting Act. I have provided all requested documents to Experian including my filed Identify Theft Police Report and proper identification to get this issue resolved in which they requested. I have also reached out to the creditors but they have also fail to fully validate these unauthorized inquries belongs to me aswell. Below are the reporting Inquiries that should be Removed / Deleted from my Experian credit report. Attached is a copy of my police report for your records. Should you need any additional information please let me know. Reporting Inquiries : 1 ) XXXX XXXX - Date Filed : XX/XX/XXXX 2 )  XXXX XXXX - Date Filed : XX/XX/XXXX 3 ) XXXX XXXX XXXX - Date Filed : XX/XX/XXXX Experian Attn : IDENTITY THEFT DEPARTMENT XXXX XXXX XXXX XXXXXXXX, TX XXXX Thank you for your assistance in resolving this matter. 

Regards, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX SSN : XXXX DOB : 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 09-04-2016 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: All of the credit inquiries were made on the same day through a company that was searching for the best rate. I found information regarding credit reports that stated that inquiries made within two weeks are considered XXXX inquiry and these inquiries were actually made the same day. I ask that these items be removed or be reported as XXXX entry on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 08/19/2015 about Credit reporting () with EQUIFAX, INC. (NY).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: My credit score has drastically been reduced, because of information credit reporting agencies entered on my report based on disputed accounts. If certain acounts are being disputed and nothing finalized as to liability, how can they put such information on my credit? 
Credit reporting agencies have to clean up those disputed accounts from my report and straighten the records.

Company response to consumer: Closed with explanation