milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03-10-2016 about Bank account or service (Checking account) with U.S. BANCORP (CA).
Issue: Account opening, closing, or management

Complaint: The Us Bank operations ctr. XXXX XXXX mn. XXXX, Phone : XXXX have a report on my chexsystems record saying that possible false information used in opening an account. I used my proper and legal identification opening this account. The U.S. bank closed my account and took the funds I had in 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 monetary relief
Consumer complaint received 10-04-2017 about Debt collection (Federal student loan debt) with Immediate Credit Recovery (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I am again requesting proof of a contract between Immediate Credit Recovery INC and myself, bearing my signature, of a loan that they provided to me. If that information is not provided with the next response. I will turn this case over to my attorney for further action. What I have been provided is a validation. It is a print out on a word document. 

I am requesting copy of the original written agreement between Immediate Credit Recovery INC, such as the loan note or credit card agreement, preferably signed by me and a representative of the company. 
I am demanding a bill of sale, an assignment, or a receipt between the last creditor holding the debt and Immediate Credit Recovery INC. 
You must return all copies of all requested information, assignments or other transfer agreements, which would establish your right to collect this alleged debt or I will turn this matter over to my consumer rights attorney.

Company response to consumer: Closed with explanation
Consumer complaint received 06/25/2015 about Credit reporting () with EQUIFAX, INC. (SC).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have disputed the information XXXX times with Equifax. They refuse to XXXX and XXXX XXXX XXXX off my credit report. These accounts werecharged by IDENTITY THEFT. I have provided my ID theft paperwork with XXXX credit reporting agencies. XXXXXXXX and XXXX have removed the info.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01-07-2016 about Consumer Loan (Vehicle lease) with AMERICAN HONDA FINANCE CORP (VA).
Issue: Managing the loan or lease

Complaint: I had a loan with Honda Financial Services since XXXX. I paid timely and was never late. I paid this loan in full in XXXX of XXXX. This vehicle was purchased with proceeds from the XXXX XXXX XXXX XXXX. So my obligation to Honda Financial Services ( HFS ) ended and the debt was completely liquidated at that time. I have documents to support this. 
After that fact, HFS paid an amount for vehicle taxes of approximately {$690.00} and sent me a bill. I did not agree that I owed that money to the taxing authority and liquidating that tax debt could undermine my ability to get it corrected by the taxing authority. I believe the tax was calculated incorrectly. Nevertheless I paid HFS but not after they reported me as being 30 days late on the account : an account that was paid in full. I never gave them permission to reopen the credit, nor to pay these fees on my behalf after they had no further right, title or interest in the property. I have been billed separately by the County of XXXX for taxes due on this vehicle. The amount paid by HFS is not a legitimate debt ; is related to a loan that was paid in full and they " reopened '' the credit, on a non-revolving account without my consent and without lawful authority. I sent a letter with return receipt requested with supporting documentation. The matter was removed from my credit at that time. It has since reappeared, so I asked that it be removed. Now Honda claims it is legitimate! This is a blatant violation of not responding timely ( within 30 days ), removing the item and XXXX causing its reappearance. 
Moreover, it is not a legitimate debt. I paid that loan in full in XXXX of XXXX. How can I possibly have been 30 day delinquent in XXXX XXXX. Please help me regain my good credit. Please guide me in any further recourse I may have against Honda.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11/30/2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (RI).
Issue: Billing disputes

Complaint: My XXXX 2015 statement contained a charge dated XXXX/XXXX/15 from " XXXX * XXXX XXXX '' for {$290.00}. I have never purchased anything from this person or website. I disputed the charge as unauthorized. Capital One replied that the merchant substantiated the transaction and they would rebill me. What was provided to substantiate the charge was a printout of the merchant 's website ( which I did not recognize ) and a copy of the charge billed to the wrong expiration date, wrong cvv code, and wrong address. The only accurate piece of information was my card number, which has n't changed since I received the yard many years ago. 

I did research and noticed that this charge was also made by the merchant exactly one year ago. I did n't recognize it then either and the records show I disputed it and it was removed from my bill. 

I responded to Capital One 's rebill by letter indicating that the unauthorized charge was still disputed, that I never made this purchase, never used any product or service from this merchant, and to advise the merchant to stop billing me. I attached documentation of the previous dispute from a year ago. 

Capital One today sent me a letter saying " your request lacks all of the previously requested information to validate your dispute ''. Please see the attached letter Capital One is referring to. I provided all of the information possible. It is not my responsibility to contact the merchant to beg for a credit for something I never purchased. Capital One claims a {$0.00} fraud liability policy and they have failed to abide by it.

Company response to consumer: Closed with monetary relief
Consumer complaint received 03/25/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
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: I have made four attempts with Transunion mailing certified letters in which they have received to dispute inaccurate information regarding Dept of EdXXXX school loans + comments of late payments. First letter was delivered on XX/XX/XXXX, 2nd letter delivered on XX/XX/XXXX, XXXX letter mailed out on XX/XX/XXXX and last letter delivered on XX/XX/XXXX. Each letter states I have legal rights to receive proper evidence in whom was spoken too, names of each representatives, my legal signature, etc to prove these claims are valid. I have only received automatic responses with no changes in removing these late payments off my credit report. My credit reports state I have 100 % on time payments but with SIX derogatory remarks in which late payment were made. I am fighting to remove these accounts/statements off my report due to not receiving any legal evidence on these claims. I delivered the same letters to XXXX with complete resolution. XXXX  did delete the six accounts due to not providing any evidence. Transunion has been uncompliant.

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 10/18/2016 about Credit card () with SYNCHRONY FINANCIAL (AZ).
Issue: APR or interest rate

Complaint: My wife and I have gotten ourselves into too much debt, and that is our responsibility, we understand that. We want to pay off our obligations rather than file Chapter XXXX so we are trying to do credit counseling. We received letters from Synchrony Bank on acceptance to the program, and am shocked at their rates. We are asking for help, not a write-off, and they responded with 26.99 % for JC Penney, 26.24 % for Amazon, 23.15 % for Walmart, and 15 % for Care credit. 

These rates are penalty rate high, not assistance. In comparison XXXX reduced the rate to 0.00 %, XXXX to 5.90 %, XXXX XXXX to 9.90 %. No one else is anywhere close to what you are charging. 

To my knowledge this program is meant to keep Americans out of Bankruptcy, banks actively solicit enrollment and in the paperwork, it even states the purpose is partially to make sure creditors are re-paid. We are fine with that, but these rates are almost Usary in situations like 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 01-09-2016 about Debt collection (Medical) with GULF COAST COLLECTION BUREAU, INC. (FL).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I am filing a complaint against XXXX XXXX XXXX in XXXX, FL. I had XXXX there XX/XX/XXXX & XX/XX/XXXX ; my co-pay was {$500.00}, I paid {$230.00} on XX/XX/XXXX. I spoke with XXXX, Supervisor in Billing Dept in XX/XX/XXXX to advise her that I needed an itemized list of charges as well as informing her I would need a payment plan to pay balance of co-pay as I am on Social Security with no other income to assist me with unexpected expenses. I am lucky I had the {$230.00} saved up. They offered me a payment plan of {$25.00} per month, I said with the other medical bills ( XXXX , Dr 's co-pays, etc ) I would only be able to pay {$10.00} per month until I pay the other medical bills off then I would be able to pay more. She gave me a verbal ok on the {$10.00} per month. This week I get a collection letter from Gulf Coast Collections. I do n't understand how medical facilities can not work with you when knowing your financial situation. I realize they have 'policies in place ' but there are circumstances that the consumer just can not meet these strict guidelines. Plus when I had a verbal ( phone conversation ) that it was ok to pay the {$10.00} per month, they had no right to turn acct over to collections. I am hereby writing to the Administrator of the hospital also venting my frustration about their policies. I also have never received a statement of charges for the amount of my co-pay or showing that I paid the {$230.00} towards my co-pay. ( I do have a receipt showing I paid the day of the XXXX, but I should have received a statement showing total charges, balance due and any paid amount ( s ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/15/2015 about Debt collection (Mortgage) with Ditech Financial LLC (CA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Current representative keeps calling on my cell phone frequently during my work hours while I am being consistent with my payments. Previous representative called the same way but rude and threatened to take legal actions, screaming and arguing with me over the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 05-11-2017 about Credit card or prepaid card (Store credit card) with SYNCHRONY FINANCIAL (WV).
Issue: Other features, terms, or problems
Sub-issue: Problem with balance transfer

Complaint: I have  a JC Penny Plati num Card which is provided by Synchrony Bank. I have recently been approved for a  XXXX   XXXX  card and accepted primarily due to there 0 % APR on balance transfers for 15 months. Upon trying to transfer m y Penny 's balance   to the  XXXX  card unsuccessfully I contacte d Penny 's car dholder services. I was told that Synchrony Bank did not allow their balances to be transferred electronically. Are budget is tight and I feel that it is unfair for them to prevent me from transferring my balance to another bank with a lower interest rate.

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 01/27/2017 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: I have disputed twice already and they have not provide me with any information neither the creditors are able to provide me with verification. This accounst must be deleted immediately.

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. (IN).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: According to Equifax my personal information has been potentially stolen through their cyber security breach in 2017.

Company response to consumer: Closed with explanation
Consumer complaint received 09/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Screening Reports Inc. (MI).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Unauthorized Credit Inquiry : XX/XX/XXXX : XXXX XXXX, DE XXXX ( XXXX ) XXXX XX/XX/XXXX : XXXX XXXX, PA XXXX ( XXXX ) XXXX XX/XX/XXXX : XXXX XXXX XXXX XXXX, IL XXXX ( XXXX ) XXXX

Company response to consumer: Untimely response
Consumer complaint received 07-11-2017 about Debt collection (Medical debt) with Financial Credit Network Inc (MI).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: This is not my debt, I do not have a signed contract with this company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/28/2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (OH).
Issue: Delinquent account

Complaint: XX/XX/XXXX Business was very slow at the company I worked for. Bills started to pile up and I worked out a agreement to pay {$800.00} within a specified timeline by Capital One. I paid the {$800.00}. Not once did Capital One say to me that it would be reported to the Credit Bureau ( s ) as bad credit. They are still reporting it every month even though we agreed on a amount back XX/XX/XXXX. Most of it was late charges. I find this misleading. I have great credit, I have a car loan and the payment is made every month on time. Had I known this " settlement '' would damage my credit, I would have NEVER agreed to settle. Now I 'm being told that nothing can be done about it. This is not right, it needs to be addressed so people know when a Credit Card company is indicating that they are helping you solve your debt issue when in a financial crisis arises by paying them a amount you both agree upon, they also need to communicate the later part, oh by the way you will still get reported to the Credit Bureau, after you scraped by to get the situation resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 01/22/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (MN).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: To whom this may concern, I left school XX/XX/XXXX and have been on income based payment until XX/XX/XXXX which each year has been a challenge to gain income based payment plan. The reason I wanted income based was because my many other loans I had and also was not able to make my rent payment and other nassesities I had with such a high payment. Originally I was through XXXX XXXX and once moved to Naviant things have been very discouraging. I was set up on automatic payment and their systems would drop my card on file multiple times ( at least 4 times ) this would lead to collectors starting to call my consigner and then I would hear from my cosigner multiple moths later. This has effected by credit report because they say I have multiple late payments by XXXX and 120 days which also has effected me getting a mortgage XX/XX/XXXX. Still today I 'm in the process of sending multiple letters to the XXXX credit breuaus and each time Naviant has reported back to the breuau that information was correct. Dealing with Naviant is some of the most frustrating company I have ever experienced, every phone call I would make to fix an error on their end would be an hour phone call. One of my loans had a 9 % interest rate at a {$18000.00} balance, just paying the interest over the years would n't lower my original balance. Until recently I have a better job and have paid this off but still have a loan with Naviant today and have to call and make the payment over the phone because I ca n't trust them to set me up with automatic payment. If you file for a court action I have multiple examples and if you look into my account I 'm sure you will find abuse and we 'll as negligence on their end. As a consumer I feel helpless trying to argue with such a big company. The loan I have through Naviant is a private student loan which they treat very badly because they tell you I 'm under different rules than fed loans. I 've dumped tens or thousands of dollars to Naviant and hope there is something I can do to stop their poor practices.

Company response to consumer: Closed with explanation
Consumer complaint received 08/18/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Credit Protection Association, L.P. (PA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: XXXX XXXX messed up their accounting when I closed my account with them and they have told me on 3 separate occasions this year that I do not owe the debt. Unfortunately XXXX assigned the debt to a collection agency who will not stop threatening me despite multiple calls from me explaining the situation. Each time the collection agency says they will contact XXXX to confirm the status but XXXX has no record of them doing so. The collection agency is Credit Protection Association L.P., XXXX XXXX XXXX, XXXX TX XXXX. The amount I am being told to pay is {$40.00}. Their reference number for the collection is XXXX. The phone number for the collection agency is XXXX. Constellation has assigned me a reference number for this issue - that ref number is XXXX. I feel like I am being extorted for this sum and wish to file a complaint against Credit Protection Association L.P .

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 06/22/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with BANK OF AMERICA, NATIONAL ASSOCIATION (TN).
Issue: Loan servicing, payments, escrow account

Complaint: Consumer Finance Complaint # XXXXXXXXPlease add additional information to complaint : The mortgage loan was transferred to Countrywide Home loan from the lender I tried several time to modify my loan because the interest rate adjusted out. I was given given incorrect information on how to submit the modification by customer service., Documents was faxed to Countrywide several times but they would statethey never received them. Several large mortgage payments was also made to Countrywide per their request. 
The loan was later transferred to Bank Of America and they were difficult to workwith on the modification request. I 'm aware Bank Of America entered into a Federal Consent Order, Justice Dept. because of the mishandling of mortgage modification requests. I am a victim of those unfair practices. I 'm still residing in the propertyand I want to keep my house.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with WORLD ACCEPTANCE CORPORATION (TN).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I took a starter loan out at World Finance Corporation of XXXX, Tn,38401 this was around XX/XX/XXXX after getting the loan I fell on hard times and defaulted. Well after getting back on my feet i been trying to get my credit straight out. I received a letter from World Finance the beginning of XX/XX/XXXX offering me three options of paying off the loan I took the offer to pay them off as it was a small starter loan. So I payed them off on XX/XX/XXXX. I asked the manager when it would be off my credit and he said they reported monthly so around 2 months I said great. The other day trying to get a starter loan at another instutution they said they could n't cause I owed World Finance I said impossible I paid them off at the beginning of the year. I provided her my payoff receipt and got the loan but she advised me I was n't the only one that she seen World Finance do wrong she told me they reported on my credit report that I still owed them in XX/XX/XXXX But my receipt shows it being payed off in XX/XX/XXXX. I talk to World Finance Corporation XX/XX/XXXXXXXX in person and they stated that I still owed them even though my receipt shows otherwise. The lady said since I took the payoff amount that it was n't paid in full but my receipt says otherwise.

Company response to consumer: Closed with explanation
Consumer complaint received 08/25/2015 about Payday loan () with Guidiville Indian Rancheria (KY).
Issue: Payment to acct not credited

Complaint: Didnt apply for the internet payday loan from Multi Loan Source and its on my credit report and i can not get off my report

Company response to consumer: Closed with explanation
Consumer complaint received 04/26/2016 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (GA).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: Credit cards were charged off.companies that purchase written off charges buy old dedits sue me for loans I did not take with them.

Company response to consumer: Closed with non-monetary relief