milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11/29/2016 about Payday loan () with Lien Enforcement Inc (CA).
Issue: Charged fees or interest I didn't expect

Complaint: My matter is not a payday loan but I was instructed by your representative to select that option. I received a notice of a lien on a vehicle that I have already transferred ownership of. I contacted the company to inform them that I was not the registered owner and they informed me that there was " no way to get out of paying the money to them. '' They told me that because they 're documents stated I was the last owner I would have to pay the fee. I informed them that I had the receipt of transfer of ownership that I filed with the XXXX, they informed me that that would not be acceptable proof. I spoke with a XXXX representative and they informed me that my recite of transfer of ownership should be sufficient enough. I contacted the company again while at the XXXX and the lien company representative said I would have to " order a XXXX $ XXXX and request for record, fill out section C '' and mail that to the XXXX in XXXX. He continued to detail an extraneous process of proving that I am not the owner of the vehicle which the XXXX continues to inform me is not necessary as I have a physical receipt. The lien company representative threatened that my credit would be negatively effected because they would put the balance of $ XXXX on my credit if I did not pay the lien for the vehicle. The XXXX informed me to file a complaint. The total amount of the fee is {$2200.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/30/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (VA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: There is a hard inquiry on my credit report that I know nothing about. I have never tried getting credit at this business. The business is : XXXX ( it says it is a clothing store ). There was no authorization for this company to run my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 10/28/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (PA).
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint: Citibank charged me interest of {$0.00} on a balance of {$0.00} XXXX XXXX/XXXX/XXXX statement ). This is a monthly rate of interest of 100 % XXXX 1,200 % annually XXXX. This was the " minimum interest charge '' they claim they are allowed to charge, but this should be illegal.

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 03-10-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: I was unable to get a free credit report from ANY of the XXXX companies at www.annualcreditreport.com. I believe this is by design. They ask questions the average person can not be expected to know ( for example the year your home was built for apartment renters, partial phone numbers of relatives, etc. ) and then refuse to provide a report based on the answers, unless you jump through many more time consuming hoops. They make the process unnecessarily difficult. This website was obviously put up to create the appearance of making an effort to comply with the law, while avoiding actually doing so as much as possible. It 's abusive.

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 07/22/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: on XXXX XXXX i called to inform them that things that were removed had been placed back on my credit report they said they would fix it and it is still not fixed this is for my transunion account

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 03/15/2018 about Debt collection (I do not know) with CCS Financial Services, Inc. (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617 Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete UNVERIFIED information from my consumer file. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I will be entitled to under Section 616 and Section 617 if the UNVERIFIED debt with XXXX XXXX XXXX with a balance of XXXX with file # XXXX if this account is not deleted from your file. 

I`m making this complaint through the Federal Trade Commission so it can be used as evidence in pending litigation provided you fail to comply with this offer of settlement. 

To my knowledge, I never done business with your XXXX XXXX XXXX and I have no legal binding contract with this company. Per FCRA, I`m demanding this XXXX XXXX XXXX provide me an original documentation ( a consumer contract with my signature on it, showing I have an agreement with XXXX XXXX XXXX as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) and provide the method of verification as required under Section 611 ( a ) ( 7 ). 

Do not send me bank statements, or payment history in replacement of not sending me the original consumer contract with my signature on it. 

Now that you have violated the FCRA, because I have no contract with XXXX XXXX XXXX. I will be entitled to XXXX per occurrence of each violation. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I`m entitled to under Section 623 ( a ) ( 1 ) ( A ) if XXXX XXXX XXXX with a balance of XXXX is not deleted immediately from your file. 

This unverified item will be in violation of Federal Law once you report it to my credit report. You are required under the FCRA to have a copy of the original creditors ' documentation on file to verify that this information is mine and is correct.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 03/21/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Problem with fraud alerts or security freezes

Complaint: On XX/XX/2018 I attempted to temporarily remove an Experian credit freeze so I could get new utility service to my home. I tried to do this on-line but the web-site kept crashing when I submitted the form. So I tried calling... but there is no option for this. It says there is but when you spend 15 minutes on the phone maze it does allow you to do it on the phone - it instructs you to go to the website. I tried the website again and, although this freeze was placed on because I was hacked in the XXXX breach, Experian wants to charge me to remove the freeze. Its online blog says I don't have to pay if I was hacked but I can not remove the freeze unless I pay. Oh, and I tried to cheat my way to a live person and when I got to a place where it said PRESS 1 TO SPEAK TO A REPRESENTATIVE, I was told the wait was more than an hour. I think they have just found a way to make 143 million people pay {$5.00}... that could mean up to {>= $1,000,000} in their pocket.

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 02/22/2018 about Debt collection (Other debt) with ERC (NV).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: This was a dispute about charges on my XXXX cell phone account years ago. I tried to resolve the problem with the company but they were not open to discussion and sent me to collections. I a hard working person and pay my bills but when I am getting overcharged and the company will not work with me to resolve the issue and just sends me to collections. I do not feel that is fair. I would request that this Derogatory Mark be removed from my credit report as I tried to work with XXXX but they just sent me to collections and I do not have a contractual relationship with this company ERC and do not owe them anything. Please remove this from my credit report. 

The Second Mark on My Credit report is a Lein placed on my account in error. As you can see it was placed on my account and removed the sale day. Please remove theses Derogatory remarks on my Credit Reports.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/17/2016 about Bank account or service (Checking account) with FIFTH THIRD FINANCIAL CORPORATION (GA).
Issue: Deposits and withdrawals

Complaint: Opened a checking and savings account with 53rd bank, branch location Fifth Third Bank XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. During XX/XX/XXXX bank received a Fraudulent garnishment claim from a XXXX XXXX, 53rd bank then placed a hold on both my accounts for a total of XXXX. The funds in my account at the time was exempt from all garnishments, pension payments are exempt. 53rd then informed me that they can not close out my accounts until the garnishment is paid in full {$14000.00}. Despite knowing the accounts were exempt from this garnishment 53rd removed {$10000.00}, then XX/XX/XXXX, 53rd removed more of my except pension payments a total of {$15000.00} was removed from both my checking and saving accounts paying off and exceeding the amount of this garnishment. During XX/XX/XXXX I noticed that my credit report has the total amount owning I then contacted the bank and was informed that they do not know what happened to the monies removed from my account. After contacting the 53rd corporate offices, I was informed that a check for XXXX was removed from my accounts but they are unaware of what happened to {$5000.00} or where it was sent. Corporate office was also unsure of why the funds was removed at all when monies were exempt from garnishments.

Company response to consumer: Closed with explanation
Consumer complaint received 02/26/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (DC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: XXXX has been attempting to collect on a non-existent debt. I have at all times had all outstanding balances paid on all accounts. I have proof of payment for the amount they allege is owed ( attached hereto ). A different collection agency previously tried to collect on this account approximately 1 year afo. I contested the claim, and that stopped contacting me. Now a different collection agency is contacting me to attempt to collect on the same non-existent debt. XXXX has agreed verbally on the phone that I owe no debts, and promised a letter of confirmation which they never sent.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/28/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with AMERICAN EXPRESS COMPANY (IN).
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint: American Express has long been in the esteem of its millions of card members, not to mention mine as well. 
American Express has globalized and things have changed ; no longer is it important for AE to keep their promises, and honor their word. Their new singular oath is to profit, at all costs apparently. 
On or about XX/XX/XXXX, American Express solicited me with an inducement if my business met certain spending levels. By XX/XX/XXXX,  the business exceeded the spending levels, and AE refused to keep its promise and dishonored themselves. AE read the transcripts of our phone conversations, and despite hearing their own agents make those same promises, they decided that AE would be better served by not keeping to the agreement. 
American Express then took retaliatory action against every single account that my business has with AE after I complained about their disreputable practices. American Express has severely damaged our 16 year business relationship through their new disingenuous global schemes. 
I never thought that American Express would lower its standards to that of the XXXX XXXX. Buyer Beware.

Company response to consumer: Closed with explanation
Consumer complaint received 08/20/2016 about Debt collection (Medical) with CMRE Financial Services, Inc. (NY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I paid my bill in XXXX and CMRE FINANCIAL with address XXXX, CA XXXX with phone number XXXX recorded as delinquent until last week. This was affecting negatively my credit score for years.

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 09-07-2017 about Debt collection (Auto debt) with WELLS FARGO & COMPANY (NV).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: On XX/XX/XXXXat XXXX I recieved a call from XXXX at Wells Fargo Dealer Services from the number of XXXX XXXX XXXX. He was asking when I would be making my XX/XX/XXXX payment because I was close to going 30 days past due. I explained again that I was not able to pay until XX/XX/XXXXbecause of unexpected medical expenses. I explained that I would be making the payment of {$380.00} online on He offered me some assistance in the form of a " due date change ''. He said that if I made the payment of {$380.00} by XX/XX/XXXX I could call or go online and request a due date change and move my next due date until XX/XX/XXXX. He explained that I would be moved out of a past due status and would n't be paste due any longer. I would start fresh and be current in XX/XX/XXXX. As promised, I make the payment online on XX/XX/XXXX. On XX/XX/XXXX i went back to the website after the payment had posted to request the due date change XXXX had offered me. It gave me # ' s XXXX to choose. I selected XXXX and clicked submit. They system showed my next due date as XX/XX/XXXX. I was confused because I was told me next due date would be XX/XX/XXXX. I called back to clarify. XXXX answered thephone and I expressed my concern. I asked why my next due date was showing XX/XX/XXXX and not XX/XX/XXXX as I was promised. He explained the due date change process and I assumed assured him that was NOT what offered to me. I was n't being offered ANY assistance at all, just making my account less days past due. I told XXXX that I felt he was very deceptive on our first phone call on XX/XX/XXXX. I specifically asked if I would no longer be past due, and he said yes! We ended the call with no resolution and I feel very manipulated and deceived by Wells Fargo Dealer Services.

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 01-04-2017 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (ME).
Issue: Account opening, closing, or management

Complaint: I ordered new Bank of America checks online in XX/XX/XXXX. On XX/XX/XXXX I still had n't received them, so I called the local BoA office to ask about the status. They said they could n't help me, but that they could connect me with customer service, which they did. After going through a XXXX automated phone system, I eventually learned that the checks had been mailed to me on XX/XX/XXXX. But when I selected the number to speak to an XXXX, the system said it could n't help me and hung up. I called the local office again, and they told me to just keep saying " Speak to an XXXX ''. I called BoA customer service back and kept asking to speak to an associate. The system hung up on me. I Googled BoA customer service, called the XXXX number, chose the option for " stolen checks '', and after providing some additional info, finally got a real person. He then put me on hold for a XXXX time before transfering me to someone who confirmed that the checks had been ordered correctly and been shipped to the correct address. Since we never got them, she reordered the checks. This whole process took XXXX minutes. I would have been happy if I had gotten the woman who reordered the checks the first time. We have been with BoA/Merrill for many years, including all of our banking, investments, mortgage, and credit card, which together amount to a lot of money. It seems to me that we should receive far better service. This seems to happen every time we deal with BoA. We stay with them because we want everything in XXXX place, and we are relatively happy with 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 09/30/2016 about Consumer Loan (Vehicle loan) with EXETER FINANCE CORP. (NY).
Issue: Managing the loan or lease

Complaint: Account number : XXXX I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due XX/XX/XXXX2016 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me or the payments were misapplied.

Company response to consumer: Closed with explanation
Consumer complaint received 05-02-2017 about Debt collection (I do not know) with FIDELIS RECOVERY MANAGEMENT, LLC (MA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: This company uses spoofing to contact me and my family members and have yet to contact me in writing. Their calls are harassing and annoying and they refuse to stop. They call numerous times back to back every single day.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/22/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: This inquiries not authorize or fraudulent inquiries

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 02/13/2017 about Debt collection (Medical) with Collection Bureau of the Hudson Valley, Inc. (NY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: not mine insurance paid

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04-04-2017 about Prepaid card (Government benefit payment card) with Comerica (MN).
Issue: Managing, opening, or closing account

Complaint: I have been charged {$4.00} two times to have my card replaced when fraudulent transactions were place on it : both were refunded my the merchants stating they were fraud but DirectExpress will not reverse the fees now I have not received the second replacement card and I am being told I need to pay {$4.00} again or {$13.00} to get a new card overnight. They will not transfer my funds to another outside account without the new missing card number nor will they close the account and send a remittance for the balance. I have no way to get my ssdi without paying more money to get my needed benefits they are basically withholding from me at this point.

Company response to consumer: Closed with explanation
Consumer complaint received 03/27/2017 about Credit reporting () with EQUIFAX, INC. (IL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I recieved my credit report and I noticed incorrect and inaccurate items I wanted to dispute them I used the address provided multiple times on the report equifax sent me only to find out that the address is invalid by the United States Post Office

Company response to consumer: Closed with explanation
Consumer complaint received 12/29/2017 about Mortgage (Conventional home mortgage) with WELLS FARGO & COMPANY (SC).
Issue: Struggling to pay mortgage

Complaint: I am writing this letter to explain a series of unfortunate events that have caused me to turn for you for help. From my understanding, lenders or servicers are supposed to help homeowners stay in their home and avoid foreclosure, but unfortunately that has not been my story. My current servicer is Wells Fargo and I am under foreclosure with a current sale date schedule for XX/XX/XXXX. I have been behind for a few months now and the reason I fell behind in the first place were due to circumstances beyond my control. Back in XXXX, my XXXX fell very XXXX. It came to the point where she was hospitalized and the medical bills were more than {$20000.00}. This set me back badly. However, now I am in a better standing position. My wifes health has improved and I have a very good earning job. I have submitted a new Mortgage Assistance Package to my lender with time in advance from the current sale date, but Wells Fargo has not given me a fair chance to be reviewed for a Loan Modification, even though Ive stayed within the investors guidelines. I even escalated the matter to the XXXX office at Wells Fargo and I have been speaking to XXXX XXXX. She advised me they would review my file and postpone the current sale date, however nothing has been done. I feel all they did was stall. Im at an 8 % interest rate and I make enough income to cover my monthly mortgage payment. Not only that but I submitted a complete mortgage assistance package to Wells Fargo with time to  spare ; I am within 7 days to be reviewed according to investors guidelines and I feel I have been discriminated against because of my domestic partner. Please help me find a solution so I can stay in my home and get back to 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 04-07-2016 about Credit reporting () with Experian Information Solutions Inc. (OH).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I requested my complete file pertaining to certain inquiries on my credit report in accordance with FCRA 609 and FCRA 611. 
This DEMAND of documents letter was sent by certified mail on XXXX XXXX, 2016 and I received acknowledgement of receipt on XXXX XXXX, 2016. After the 30 time permitted for compliance under FCRA 609 and FCRA 611, I did not receive completeness of records pertaining to the disputed items and they were not deleted after the 30 days permitted by law.

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