milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11-07-2016 about Credit reporting () with EQUIFAX, INC. (CO).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: I am unable to get my free credit report from Equifax via XXXX I answered all identity security questions correctly and was denied access to my credit report. 
I had no problem getting my reports from XXXX and XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I am a victim of identity theft. I filed a police report with the XXXX XXXX Police Department on XXXX/XXXX/XXXX regarding being a victim of identity theft and the fraudulent and unauthorized credit collection accounts and hard inquiries listed on my Trans Union, XXXX and XXXX  credit Report. The police report case number is : XXXX, the following account or collection accounts do n't belong to me : XXXX XXXX XXXX  XXXX, XXXX  XXXX, {$76.00}, XXXX XXXX for {$1400.00} and XXXX XXXX XXXX for {$26.00} and {$74.00}, the following hard inquiries are fraudulent and unauthorized : XXXX XXXX, XXXX/XXXX/XXXX, XXXX XXXX XXXX, XXXX/XXXX/XXXX, XXXX XXXX XXXX, XXXX/XXXX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX/XXXX/XXXX, XXXX XXXX, XXXX/XXXX/XXXX. I been receiving harassing telephone calls and death threats from representatives from XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX for a debt that 's fraudulent and do n't belong to me.

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 03/20/2018 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (NC).
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint: Bank of America has continued to take {$270.00} from my XXXX XXXX XXXX XXXX account for 3 months after closing the account. Every time they assure me it will not happen again. I have talked to several supervisor and personnel over the last 3 months without resolve. The are unable to even see the draft even after providing them with the item number. They have dropped the ball multiple times in the last 3 months and have made no attempt to rectify the issue. Their last attempt was to charge an additional {$270.00} to my credit card on top of the {$270.00} that they had already drafted from my 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 non-monetary relief
Consumer complaint received 06/20/2017 about Debt collection (Other debt) with Colony Brands, Inc. (TX).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: Good Afternoon, This is a compliant to XXXX XXXX ( XXXX XXXX XXXX XXXX, WI XXXX ), regarding a closed account I wanted deleted off my credit report. The company was not able to give valid information to verify the debt was mine. They submitted a itemized statement showing balance and fees applied to this account. This is not valid validation of debt of this account. The FTC has issued an opinion letter on this subject, and concludes that an itemized printout does not represent verification.

Company response to consumer: Untimely response
Consumer complaint received 09-05-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with Alliance Data Card Services (TX).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint: On Thursday XXXX XXXX around XXXX XXXX my husband, XXXX XXXX called the XXXX XXXX XXXX XXXX for the XXXX XXXX in XXXX XXXX. While the representative was looking at his reservation he inquired about seeing a show in XXXX. The show was not available but the representative started telling him that as a XXXX XXXX member with a certain status he could qualify for a free night at the hotel. The agent had a very heavy accent and my husband wanted to be sure he clarified what he heard so he asked the Agent several times if there were any conditions to the offer and was told no so he accepted the offer of a free night. The agent then said that she would play a recording for him to finalize the deal. When my husband listened to the recording he was told that a XXXX application was submitted on his behalf. He immediately called the number back and just happened to get the same agent. He told her to immediately retract the application and told her that what she did was deceptive and that she knew very well that he did n't consent to a credit card application. He then asked to speak to a supervisor and was put on hold. He was hung up on by the agent who 's name was XXXX. He called back and this time another agent answered the call. That agent transferred him to a Supervisor by the name of XXXX who said she would escalate the complaint and review the recording of the call. They then said that they would call my husband back within 24 hours. That never happened. He did not receive a call back at all. I want to be sure that the CFPB is aware of this company and their practices as I believe that they are using deceptive sales practices to sell credit cards. We later received notice from Comenity in the mail saying " Thank you for your recent response to the Pre-approved credit card offer but he was declined! '' He did n't even apply for the card in the first place. I know that this is considered a XXXX issue and would like to have this investigated. This reminds me of what XXXX XXXX has done! Please investigate this company before they manipulate someone with less knowledge of getting a credit card. 

Thank you in advance, XXXX and XXXX XXXX XXXX XXXX XXXX XXXX, Tx XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 06/28/2017 about Payday loan, title loan, or personal loan (Payday loan) with Mobiloans, LLC (NC).
Issue: Struggling to pay your loan

Complaint: I recently found out that this company is illegal in our state. I have emailed them with the hopes of at least a payment arrangement for the principal only.

Company response to consumer: Untimely response
Consumer complaint received 07-06-2017 about Mortgage (FHA mortgage) with CARRINGTON MORTGAGE SERVICES, LLC (TX).
Issue: Trouble during payment process

Complaint: I contacted Carrington mortgage, XXXX XXXX XXXX, XXXX, CA XXXX, XXXX, because they were charging me late fees. I have NEVER missed a payment. They changed the payment amount in XX/XX/XXXX but since I was overseas I did not get the message. Apparently escrow analysis was done and they changed the amount of the escrow payment - making my full payment to fall short of what they were charging. The fixed rate principal and interest did not change - their analysis of the escrow taxes or insurance did yet they felt inclined to hold my payment " in suspense '' until the next payment arrived then " applied '' the previous payment. <P/>They held my money, not applying it to principal nor to my regular payment justifying charging me late fees. This seems quite unfair. They are refusing to waive or reverse any late fees even though I have made my mortgage payment to them without fail and on time for more than 15 years. <P/>Apparently Carrington Mortgage holds peoples money in their bank without credit or interest. This seems illegal to me. Please investigate their practices and charter.

Company response to consumer: Closed with explanation
Consumer complaint received 01/13/2017 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (MI).
Issue: Settlement process and costs

Complaint: DiTech prolonged the process to increase the origination fee to maintain the interest rate

Company response to consumer: Closed with explanation
Consumer complaint received 09/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CAPITAL ONE FINANCIAL CORPORATION (TN).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: In 2014 Capital One auto finance reported a fraud to my credit score account. My car I had purchased from them was stolen and I have a police report but capital one auto finance still put a fraud on my account and I need it removed.

Company response to consumer: Closed with explanation
Consumer complaint received 03-03-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with I.Q. DATA INTERNATIONAL, INC. (OR).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I have provided documentation that I do not owe the balance outstanding that is impacting my credit score and I have not gotten a response and the account has not been corrected on my credit report.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06-08-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Med-1 Solutions, LLC (IL).
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint: After repeated Calls with and without Voice Mail, after sending 2 Cease Communication letter they continue to call my Cell number.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/31/2017 about Consumer Loan (Installment loan) with Enova International, Inc. (NC).
Issue: Managing the loan or lease

Complaint: Company took out an ACH without my authorization, stated in writing they did and were going to refund, however have not submitted the refund. Because of this, my checking account went negative and I incurred a fee.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 04-06-2017 about Student loan (Non-federal student loan) with DISCOVER BANK (IL).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: I called and tried to get a 6-12 month hardship deferment so that I could try to pay off a credit card. They stated that I have used up all of my deferments. I asked for a interest rate reduction, and the only thing they could offer was a .25 % reduction for auto-pay.

Company response to consumer: Closed with explanation
Consumer complaint received 07-09-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Williams & Fudge, Inc (OH).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint: I continue to receive correspondence surrounding this account and my attorney has advised me to submit a request for this to be reflected accurately within the credit agencies. This was discharged with a bankruptcy in XXXX 2014. I have attempted to contact this collector and have sent copies of the documentation presented here ; however, there has been no response. Therefore, I am seeking assistance with resolving this matter with the hopes that a formal complaint will initiate this correction.

Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (CA).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I was charged XXXX for a loan I did n't receive

Company response to consumer: Closed with explanation
Consumer complaint received 02/15/2018 about Debt collection (Auto debt) with Riverwalk Financial Corporation (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: On XX/XX/XXXX I submitted a complaint on XXXX XXXX XXXX ( complaint # XXXX ) stating this collection agency is not license to collect in the state of Texas. The company agreed to remove account off of all reports and they did do so. XXXX XXXX, XXXX the account was placed back onto my credit report. This company have not furnish any paperwork showing a agreement I have with them, in addition I researched and I show they are still not licensed to collect in the state of Texas.

Company response to consumer: Closed with explanation
Consumer complaint received 02/26/2016 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Billing disputes

Complaint: Bank of America is reporting a charge off for a credit card I have never had

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 11/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Upon reviewing my credit report, I notice XXXX XXXX XXXX, who claimed I owe {$29000.00}, and reported that a charged off / " Paid, Closed {$29000.00} written off, '' comment. I have never own a XXXX vehicle or purchased a vehicle from any XXXX dealerships. I have requested on several occasions to remove this item from my credit report or place it in Dispute status, they refuse to response back. I am requesting that all negative responses be remove and updated immediately, including comments like these : " derogatory, Charged off as bad debt, etc. '' I am also requesting validation, made pursuant the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. along with the corresponding local laws. Please note that I am requesting " validation, '' that is competent evidence bearing my signature, showing that I have ( or even had ) some contractual obligation to pay. Please also be aware that the negative mark found on my credit reports from your company that you represent, for a debt that I do n't owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, YOU MUST REQUEST THAT ALL CREDIT REPORTING AGENCIES DELETE THE ENTRY. Pending the outcome of my investigation of any evidence that you submit you are instructed to take no action that could be detrimental to any of my credit reports. Failure to respond within 10 days of receipt of this message may result in legal action against your company at my local venue. I would be seeking a minimum of XXXX XXXX in damages per violation for : Defamation, Negligent Enablement of Identity Fraud, and the list goes on. This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status.

Desired Resolution / Outcome : Failure to respond within 10 days of receipt of this message may result in legal action against your company at my local venue. I would be seeking a minimum of {$15000.00} in damages per violation for : Defamation, Negligent Enablement of Identity Fraud, and the list goes on. This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. Also, that all derogatory and negative marks / responses be remove and updated immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 05/31/2017 about Debt collection (I do not know) with Capio Partners, LLC (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I have asked numerous ti mes for Capio to  send me the proof that these  XXXX  items on my credit reports are mine. The credit bureaus deleted these and now I seem them back on with out the proof ever being sent to me. These charges listed are not mine and it is fraudulent for them to keep reporting without 100 % proof and accuracy, which has never been provided! I am in the process of buying a home and this has been resolved once by the deletion of these items, only for them to reinsert them, it is not fair for them to be able to keep doing that. I have NEVER been provided with the original paperwork with information showing this

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02-03-2017 about Credit card () with AMERICAN EXPRESS COMPANY (CT).
Issue: APR or interest rate

Complaint: AMERICAN EXPRESS PUT ME INTO A PENALTY APR OF OVER 26 PERCENT AFTER BEING WITH THEM FOR OVER 20 YEARS. I CALLED ON SEVERAL OCCASIONS AND EXPLAINED I WOULD CATCH UP ON MY BILL WHICH WENT " LATE '' SOMETIME IN XXXX XXXX. I HAD A DEATH IN THE FAMILYXXXX AND IT REALLY TOOK A TOLL ON ALL OF US ... I MADE GOOD ON MY PROMISE AS AN AMERICAN CITIZEN TO AMERICAN EXPRESS. I HONORED MY PROMISE AND PAID XXXX ON THE DEBT SOME TIME IN XXXX XXXX. HOWEVER, DUE TO XXXX. I MADE AN ERROR AND AGAIN HAD A LATE PAYMENT IN XXXX XXXX -- BY 24 HRS. AMERICAN EXPRESS DID FORGIVE THE LATE FEES. HOWEVER, BECAUSE OF THE LATENESS IN XXXX XXXX THE PENALTY APR STUCK TO THE TUNE OF OVER XXXX A MONTH IN INTEREST. AMERICAN EXPRESS SAYS THAT THEY JUST ADJUSTED MY APR " GRACIOUSLY '' BACK TO XXXX ( XXXX ) PERCENT AS OF TODAY --. BUT THE DAMAGE IS DONE. YES. I WAS LATE IN XXXX XXXX BY 24 HOURS ON A PAYMENT -- BUT MY FEELING IS THAT WHEN I MADE THE LUMP SUM PAYMENT IN XXXX XXXX I HONORED MY COMMITMENT AND I SHOULD HAVE BEEN REMOVED FROM THE NOW {$400.00} IN PENALTY FEES / APR INTEREST AT THE RATE OF XXXX PER EACH MONTH XXXX XXXX AND XXXX XXXX. NOT SO SAYS AMERICAN EXPRESS -- THEY SAY THAT ANY LATE PAYMENT PUTS A CONSUMER INTO PENALTY APR FOR 12 MONTHS. HOW NICE ... ..SO IF MOST CONSUMERS HAVE ABOUT XXXX IN CREDIT CARD DEBT, THAT MEANS XXXX LATE PAYMENT TO AMEX CREATES XXXX {$2400.00} IN INTEREST FEES. {$2400.00} AT THE RATE OF XXXX PER MONTH X 12 MONTHS. THIS IS NOT AMERICAN -- AS IN AMERICAN EXPRESS -- -THIS IS PREDATORY.

Company response to consumer: Closed with monetary relief
Consumer complaint received 11-02-2015 about Consumer Loan (Vehicle lease) with SANTANDER CONSUMER USA HOLDINGS INC. (MN).
Issue: Managing the loan or lease

Complaint: I have been in contact with Chrysler Capital on a recent truck lease that was just turned in and I was sent a bill in the mail stating I owed money for damages that I did get fixed. Here is the timeline of events : -Hail damage to the truck occurred in XXXX 2015-Claim with my insurance was filed for the damage before XX/XX/XXXX15-I called Chrysler Capital to set up the turn-in inspection and they said I needed to have the inspection done prior to getting the hail repairs completed. 
-Chrysler Capital person came to my house for inspection on XXXX/XXXX/15 and estimated damage of {$1500.00} needed to be fixed prior to turn-in of the lease. 
-Truck was then taken in to XXXX XXXX XXXX XXXX MN for repairs done on XXXX/XXXX/15 ( shop was recommended by the Chrysler dealership ). Actual cost of damage was {$3500.00}. 
-Repairs were completed and I paid my insurance claim deductible. 
-Truck was taken to XXXX XXXX MN Chrysler dealership on XXXX/XXXX/15 and turned-in. No damage was noted at turn-in and everything seemed to be OK. 
-A few weeks later a bill was sent to me from Chrysler Capital in the exact same amount of {$1500.00} that was originally estimated as the damage. 
-I called Chrysler Capital assuming this was just an error as the repairs were completed. They stated I needed to send proof of the repair for review. 
-Documented detailed proof of repair from XXXX was provided to Chrysler Capital for review and removal from final bill. 
-Chrysler Capital reviewed and is saying the damage was still present and the repair was " subpar '' at the time it was released to auction. 
-I requested what exactly was subpar and they could not tell me exact areas that were not fixed and say I still owe the money. They have not shown any documentation to me on what was supposedly wrong, yet they say I owe them the money. 

This is not true as I know the hail was fixed - repairs that were done were actually double of the original from the Chrysler inspector estimate. This is not fair that they are holding me liable for these charges since I did in fact get the damage fixed. I do not want this to hurt my credit, but I am not paying for something that was already fixed prior to returning the truck. 

Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 09/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: I am part of the 2017 exquifax security breach in california

Company response to consumer: Closed with explanation
Consumer complaint received 12/28/2015 about Debt collection (Credit card) with Convergent Resources, Inc. (WI).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: People I know are getting phonecalls that this phone number keeps calling them looking for me. If they have my address, DOB, SSN and name why do n't they just contact me. I work during regular business hours so I can not pick up my phone calls all the time unless its an emergency with my children from school. But for them to be calling my brothers, sisters, cousins that 's not right and it 's embarrassing. I know that I have debt but how can I know who to contact if their agency keeps selling off my file to a new agency and the new agency is calling my entire family when I do n't even live in the same town as them. I pay attention to my voicemails and my mail I receive at home. But multiple phone calls everyday to my family members is a little excessive when trying to pursue a debt collection - it 's just annoying and as a consumer I am upset from the embarrassment of being in financial debt that I do n't even want to work with them.

Company response to consumer: Closed with explanation
Consumer complaint received 03/28/2015 about Bank account or service (Other bank product/service) with AMERICAN EXPRESS COMPANY (PA).
Issue: Account opening, closing, or management

Complaint: From XXXX XXXX XXXX XXXX : American Express Business Credit Card Marketing proceduresI have been an AMEX customer since XX/XX/XXXX and pleased with service, until ... I start getting unwanted solicitations for a business line of credit **for a business I have no association with** When I call, they tell me it will take three months to correct the error. In the mean time, every two weeks I get an invitation to open a line of credit with this erroneous business. 
1 ) Opt out procedures typically are 30 days- waiting 90 days is unacceptable2 ) I have nothing to do with the business they assigned me to3 ) Every mailing is a risk. People go through mail and take credit card offers, and steal identity, change addresses and open accounts fraudulently. When I explained this XXXX to AMEX, they stated " sorry it takes 90 days. " 4 ) I dont understand how I was associated with XXXX University in the first place. 

I have enjoyed AMEX over 20 years, but these erroneous mailings every two weeks not only borders on harassment, it is establishing a risk for any person receiving unwanted information and THEN has to wait 90 days for them to correct their own error. Since I first called them XX/XX/XXXX, I have received XXXX more credit card offers for a business I have no association with. 

While the people are nice I am particularly disappointed that it takes 90 days to resolve this problem, exposing me to more risk.

Company response to consumer: Closed with explanation