milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02/28/2017 about Credit reporting () with Diversified Consultants, Inc. (NC).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I am submitting a complaint against Diversified Consultants. Diversified Consultants , Inc . 
XXXX XXXX XXXX XXXX, FL XXXX They were assigned a collection account in the amount of XXXX dollars on behalf of XXXX XXXX. I contacted XXXX and they stated they were pulling this back from the collections and that I could pay in full and the tradeline would no longer be reported on my consumer file. I paid in full. Diversified is still reporting this negative information on my file. In my opinion XXXX, or Diversified can not completely verify that the debt was XXXX percent accurate because I am owed money due to XXXX being cited and sued by the FTC for over 105 million dollars for cramming and premium text services. XXXX unlawfully charged consumers for 3rd party services that were never authorized. Therefore they can not fully XXXX percent confirm that my account information was accurate. They reported this to Diversified while the FTC was still investigating. While I have paid off this account, I paid it off being told that it would be fully deleted from credit file. Since the debt can not be fully validated from XXXX Diversifed should not be able to report this tradeline on my consumer reports.

Company response to consumer: Closed with explanation
Consumer complaint received 02/27/2017 about Credit reporting () with Experian Information Solutions Inc. (OH).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I received my discharge for my bankruptcy on XXXX/XXXX/2016. None of what was included in my bankruptcy, which was everything on my credit reports, were removed from my report. I understand they stay on there and are just marked as discharged, but there are roughly XXXX things left on there that are not marked discharged, that in fact were discharged. The only active thing on my credit report should be a paid off car loan that was obtained after the bankruptcy and is now paid off. i was givin this information by XXXX when trying to obtain a new loan to start rebuilding my credit. I need this taken care of 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 01/13/2018 about Debt collection (Medical debt) with Phoenix Financial Services LLC (MS).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I first found the collection company reporting on my XXXX credit report. I disputed it with XXXX on XXXX XXXX, XXXX. After they did not resolve the issue, I contacted Phoenix Financial Services on XXXX XXXX, XXXX and asked them to validate the debt they claim that I owe. I have been having trouble with insurance companies double billing me for services in part because I had two health insurance companies that had to coordinate. I have not received validation of this debt but it is still reporting on my XXXX  Report. I am requesting that Phoenix be removed from my XXXX  credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04-12-2017 about Consumer Loan (Installment loan) with Castle Credit Co Holdings (CA).
Issue: Problems when you are unable to pay

Complaint: Castle Credit has called my job, therefore jeopardizing it in numerous times. 
Calling me at my home after XXXX and on week ends. 
Castle Credit has put a lien on my house for a loan less than {$8000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 06/15/2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (FL).
Issue: Customer service / Customer relations

Complaint: I made a payment of {$1500.00} over the phone to my Capital One credit card using a debit card as a form of payment on XXXX/XXXX/15. The payment cleared the debit card on XXXX/XXXX/15. However it never appeared on my Capital One credit card. I called several times about this issue and it 's still not resolved. Sometimes I had to be on hold for XXXX hours (!!! ) Finally they told me that they sent me a letter asking for the routing number and account number of the bank where I would like to get refund. However, I never got this letter. I called again and they took this information from me over the phone. Anyway, it has been more than XXXX weeks and it seems like Capital One is not going to refund my payment. 
Please see a debit card statement with cleared payment attached. 
My other complaint is that Capital One closed this card about a month ago stating that they did n't like the way I use it. I only did few purchases online for about {$2500.00} total and my card was closed. I have not violated any rules and I really do n't understand why they closed it. I used to have another card from them previously which I rarely used and it was also closed for no reason. If they do n't want people to do certain type of purchases - they should inform customers first about that instead of closing cards.

Company response to consumer: Closed with explanation
Consumer complaint received 07-03-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with SYNCHRONY FINANCIAL (NC).
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint: First off, I have been a loyal customer with Walmart for 3 years. I now have the Master Card with them. My interest is too high and I have been charged way more than I was suppose to pay. My bill should have been off in FULL by now and I do n't understand why it has n't been. According too my bill statement from XX/XX/XXXX until XX/XX/XXXX I have paid {$5000.00} or more. So technically speaking my bill should have been long ago been paid for. On XX/XX/XXXX I purchased a television on the card and I paid {$1700.00}. The television had a promotion for 12 months with NO INTEREST. Well, interest was added a month after I got the television and was n't suppose to be added until the promotion expired this year. Also they claimed that I had to pay {$1200.00} before the interest charges of {$470.00} could be taken off. The television has also been paid for. So I do n't understand where this is coming from. I called the Account Manager and tried to get a clear understanding but did n't get anywhere. The manager told me that I was suppose to call when I paid my payments and tell Walmart that the payment was going towards the television. Well I was in NO WAY informed about this memo and I explained that too her. I told her that I was n't informed about this in no way ; so how am I suppose to call if I was n't informed. That 's not my fault, it 's WALMART 'S FAULT. She kept telling me there was nothing she could do. She also told me that " We could stay on the phone all day but nothing could be done. '' What kind of bank is this? What kind of customer service is here? So now my balance is at {$4800.00} and it should have been paid A LONG TIME AGO. Every time I get my bill the balance is STEADY going UP not down. I have NEVER been late on any payments and I always pay MORE than the minimum. So I feel that I am being ripped off and it 's not right. Also, this is messing up people 's credit scores to where they ca n't even get a car or nothing and it 's ridiculous.I am not the first person that this is happened too and it will continue to happen if nothing is done about it. Symphony bank is a very BAD bank to work with. Their is nothing professional about the customer service. I am FED up with this bank and something needs to be done ASAP. I would like a refund of all the money that I have invested over the last 2-3 years of having this card that was not suppose to be added or paid to Walmart. I have dealt with this company for 3 years so I know at least they should owe me money for 2 years. I would also like my credit card balance to be PAID IN FULL because, my card should have been paid for a long time ago. I would also like my credit scores to be fixed as well. Thanks for all your help and once again please fix this problem!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 08-09-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with DISCOVER BANK (CA).
Issue: Other features, terms, or problems
Sub-issue: Problem with cash advances

Complaint: Discover card services has repeatedly given me incorrect and misleading information. Through their online messaging service which I have copies of and also when I called to speak with a customer service representative. I was told 3 different times there was no fee to take a cash advance from my card. Only a higher interest rate of 24.99 %. After I finally made a cash advance for {$2500.00}, I noticed I was charged {$120.00} or 5 % of the amount. I explained to them I was n't advised of this fee and I would like it reversed. i also explained that had I know of this fee, I would not have taken the cash advance. They just keep telling me it 's in your card member agreement which I received years ago. They fail to be responsible for their poorly trained representatives who are giving out false and misleading information. They also told me in writing on their messaging service that my cash advance limit is 21 % of my total credit line and if my line increases, my cash advance amount will increase. This is not the case, because they increased my line to {$14000.00} and my cash advance limit is still {$2500.00}. Now they are saying it is 17 % of your credit limit. That is also incorrect. The cash advance limit on my account is {$2500.00} no matter what my credit limit its.

Company response to consumer: Closed with monetary relief
Consumer complaint received 07/15/2016 about Prepaid card (General purpose card) with U.S. BANCORP (CA).
Issue: Managing, opening, or closing account

Complaint: The card issuer promises " FREE '' online statements to all holders of its 1-2-3 Rewards prepaid Visa debit card in paragraph XXXX of the card 's terms and conditions. In practice, only cardholders who have registered and activated their " temporary card '' as a " personalized card '' can see or print online statements. The card 's website allows temporary cardholders to see the balance available on the card and nothing more. There is no way to access the card 's history of charges ; as a result, one can not discover errors or unauthorized charges and can not provide proof of payment to a creditor or other interested 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 10/29/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with Shellpoint Partners, LLC (CA).
Issue: Loan modification,collection,foreclosure

Complaint: I have been trying to get a loan modification for almost 4 years now. First through XXXX XXXX XXXX, they repeatedly asked me for the same documents every business quarter. Specifically, bank statements, a personal profit and loss statement, and tax return copies. I did that many times for almost a year and a half, at that time I got a letter from XXXX telling me that my loan had been sold to a company called Shellpoint Motrgage company. That company just picked right up where XXXX left off, asking me for those same documents, bank statements, profit and loss, tax returns. I have supplied them to Shellpoint through an attorney I retained. I have sent those same documents for almost 2 years now with no loan modification, just more form letters. My loan is due to increase by almost double this month, my attorney has repeatedly tried to contact Shellpoint to get status ... .No callback, no email response from them to this point. I have not received any certified mail regarding status or disposition of my case. I am filing this complaint in hopes that we can work together to get Shellpoint to do my loan modification.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (CA).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I agreed on a payment of {$50.00} a month. navient took out XXXX my interest went up when I could not pay did not care if I called saying I cant pay this month they will stillk take it out and made my bank acct overdraft.

Company response to consumer: Closed with explanation
Consumer complaint received 03-06-2018 about Vehicle loan or lease (Loan) with ALLY FINANCIAL INC. (FL).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: i had gone to a dealer in XXXX because i was tried to get a car and the i provide the dealer my info they ran my credit i couldn't get approved in the next month i check my credit report i find out it wasn't one time the dealer pulled my credit I saw a bunch of inquiries about auto finance now my credit is kind of heavy with all these inquiries its about 20 inquiries listed below and they kept repeating over and over XX/XX/XXXX, XXXX XXXXXXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX, XXXX   XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX ally financial  XX/XX/XXXX ally financial XX/XX/XXXX ally financial   XX/XX/XXXX ally financial XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX all this reported to my credit report just because i requested a loan from the dealership now my credit is worthless because of these hard inquiries from my 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 explanation
Consumer complaint received 08/22/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
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 done the dispute process for the fraud transactions that occurred on my card statement. However, the credits I got for those fraud transactions were reversed & my credit card was charged for all the fraudulent transactions. I was told that they have found some information regarding the transactions, however they were done oversea while my card was not in my possession. I would like some serious attention given to this case as well as a appeal to the dispute claim.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 08/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have been trying to get this Hard inquiry off my credit for several months now. I have notified all 3 Credit Bureaus to get Validation of my signature asking this lender for credit. They keep responding with it is verified, but I do not know nothing about this company and has asked it be removed several times.

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 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (PA).
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: A child support agency in North Carolina sent information to Credit Bureau ( Experian ) for child support arrears in ( XXXX XXXX XXXX and only after i applied for a modification of my orfer. Before this i was never reported to thus or any other credit bureau ... and these arrears are from the year XXXX. 
Before XXXX and before i applied for modification ( nothing was ever reported ) this is retaliation due to friction that we had while in court. 
My EQUAL Protection Rights were violated as well. Due to the fact i never was notified that i was or could be reported to credit bureau or any such notice. I havent missed a payment in years. ( they Garnish my SSDI ) check and hv sone so for years..at least. For the last 6 years now. 

I contacted the child supporr agency and spoke with Supervisors as well as The Deputy director ( XXXX XXXX XXXX ) phone # XXXX XXXX who looked into the case..my case and agreed that i should not been reported to Credit Bureau XXXX The court order never stipulated this and ( again ) i was never given notice of any impending sanctions. 

XXXX XXXX instructed her subordinate XXXX XXXX XXXX to recode my case file as to not be reported to the Bureau from here on out. XXXX XXXX notified me at the beginning of ( XXXX ) That it had been recoded and wouldnt be reported any longer. Her # is : XXXX XXXX XXXX XXXX. I have disputed this With Experian in XXXX and XXXX. To know avail. I on the second dispute even updated them on the recent discovery and that i had spoke to the Child Support deputy Director, who ordered my case to be recoded to not ..or no longer be reported. I even Provided Experian with her name and Phone no. As Well as they were calling the wrong agency Prior to this. They never called XXXX XXXX. And still continue to Report my Child Support Arears. Wwll nit actually reporting any new or up to date info. BECAUSE the Child Support Agency is no longer reporting my case. So now it looks as if im NOT paying my Child Suoport at all because no updates will ne reported by Child Support Agency. And Experian refuses to take past info reported off of my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05-02-2016 about Consumer Loan (Vehicle loan) with SANTANDER CONSUMER USA HOLDINGS INC. (NC).
Issue: Problems when you are unable to pay

Complaint: In XXXX I brought a vehicle from XXXX XXXX in XXXX XXXX, North Carolina. The financing was through Chrysler Financial. Monthly payments were {$570.00}. I had been current on the payments until on or about XXXX XXXX, XXXX. Around this time, I received a phone call from XXXX XXXX XXXX of XXXX XXXX XXXX XXXX Collections Department. He described a payment of {$340.00} the car would be paid in full, and I would receive my title from Chrysler. I promptly paid {$100.00} on XXXX XXXX, XXXX and {$240.00} on XXXX XXXX, XXXX. These payments were made over the phone with my debit card. I received receipts from XXXX XXXX for both payments. After these payments, I received nothing from Chrysler or XXXX. I did not get any late payment notices, nor any title. Chrysler called me on XXXX XXXX, XXXX at XXXX XXXX and XXXX XXXX, XXXX at XXXX XXXX. In the second call, Chrysler told me they would cure the debt by repossessing the vehicle. As this was the first time hearing about the car in over a year, I was confused. XXXX and XXXX XXXX had told me that the car would have been paid in full. I have spoken to XXXX and have been told that XXXX XXXX is no longer employed there. They also told me that the debt I paid off was for some other consumer debt with XXXX XXXX XXXX. I am not aware of any debt owed to XXXX XXXX XXXX. I have spoken to Chrysler, who told me they did not know anything about XXXX XXXX, XXXX, or XXXX XXXX XXXX. Chrysler has agreed to pay the car off and take title for {$8200.00}. I am not sure if the vehicle is worth that much, and I am concerned that I had previously been told that the vehicle was paid off. I believe that I am a victim of some scam with XXXX or XXXX XXXX XXXX. Further, Chrysler Financial has a debt collection agency hounding me with threatening phone calls throughout the day. They have called me at XXXX, and have told me they have come to my house on several occasions. However, Chrysler has told me they have not sent the repossession notice yet. I am concerned about my previous payments with XXXX, and what Chrysler is doing with repossession.

Company response to consumer: Closed with explanation
Consumer complaint received 04-01-2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: Company " XXXX '' was paid prior to bankruptcy to the original creditor and instead of reporting as " Paid In Full '' - its reporting as " included in bankruptcy '' as discharged debt. This is reflecting as if the company was not Paid and it is adversely affecting my rental history. This negative reporting is affecting my ability to find housing. I have contacted transunion in writing and over the phone and I also requested a detailed description of the investigation and was denied the information and instead the account was disputed again with no change. The investigation completed by XXXX concluded the info was not accurate. There is a 54 point difference in my scores because of this.

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 10-06-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I am filing this complaint because XXXX has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day, mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA- they are required to " promptly delete all information which can not be verified " that I have disputed. Please resolve this manner as soon as possible. Thank you.

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