milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with PlusFour, Inc (NV).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint: When   XXXX   XXXX   contact me about my debt from my hospital visit I set up a payment plan with them. I paid in full and a few month later I noticed a collection from Plus  Four  Collections for  XXXX . I called  XXXX   XXXX  and was told I had a  XXXX  balance after the repayment. On  XXXX / XXXX / XXXX  and  XXXX  passed it on to investigation. I called back on  XXXX / XXXX / XXXX  and  XXXX  and I was told the investigation would be completed  XXXX / XXXX / XXXX . I did not hear back from anyone until I pulled my credit to buy a home and I still see the Plus  Four  Collection.     I called both companies and spoke with  XXXX   XXXX  on  XXXX / XXXX / XXXX  and  XXXX / XXXX / XXXX  and on both times I was told that there was a  XXXX  balance and the reporting could be corrected with an investigation. I finally got to a supervisor where I was told there was a different account under the same account number that posted later that was not collected, that amount was  XXXX . Yes a later account for  XXXX  that was part of the same account number. I have since canceled the purchase of my dream home as the estimated interest rate difference was  XXXX  to  XXXX  because of the low credit  score  from the  XXXX  collection that was re-reported on  XXXX . The supervisor told me I was called in  XXXX   XXXX  to be notified of the " new '' collection. I was and that is why I called in and spoke to  2  different people in  XXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 02/14/2017 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (KS).
Issue: Billing disputes

Complaint: I was offered a settlement for my past due credit card and after giving my payment information, was denied the settlement and told to seek credit counseling. I was repeatedly told that Bank of America would not put my ability to pay my basic bills in jeopardy if I was unable to pay toward my credit card. I was also NOT told that I had to call to cancel the payments after the settlement was denied nor was I told that the payments would go through despite being denied the settlement. The payments were CONTINGENT on the settlement and no final authorization or agreement was reached. I was denied and therefore DID NOT AUTHORIZE any other payments. I had $XXXX withdrawn from my account without my consent and Bank of America is refusing to return that money even after informing them that this UNAUTHORIZED withdrawal of funds was going to cause me to bounce payments that I had mailed for my basic bills since I was not expecting that money to be withdrawn.

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 03-01-2017 about Debt collection (Credit card) with CITIBANK, N.A. (MD).
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint: Continuous calling throughout the day, called my employer 's cell and work phone and continued to call after I asked not to call.

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 03/17/2017 about Mortgage (Conventional fixed mortgage) with SELECT PORTFOLIO SERVICING, INC. (CA).
Issue: Loan servicing, payments, escrow account

Complaint: On XX/XX/2010 I sent SPS a letter and a copy of my XXXX orders to XXXX requesting assistance under the SCRA. My interest rate with SPS was 6 3/4 of a percent and they reduced my interest rate down to a mere 6 %. This was not in the spirit of the program. A reduction of {$90.00} a month is not helpful for someone leaving a XXXX figure a year career in the civilian world to earn approximately $ XXXX a year by being recalled to XXXX. Most XXXX I knew received interest rates down to 2 % and I think that is respectable. To add insult to injury I never got a {$90.00} reduction to this date almost 7 years later. 

SPS failed to recalculate my payments to reflect the reduced interest rate. I never received the second portion of the SCRA, which calls for diminished monthly payments based upon the interest rate reduction. It appears to me that SPS gave me a portion of the loan interest rate savings because the interest-bearing principal was {$460000.00} and then there was a deferred principal of {$210000.00}. This is not consistent with 50 USC app section 527. To date I have not ever been given any reprise from SPS under the Service Members Civil Relief program. They sent me a letter stating that they did give me some reprise but the numbers do n't add up. They have sent me 3 sets of financials over the last 3 months and there simply is not a reduction of {$90.00} anywhere to be seen. If they give me a reduction why ca n't they prove it? Where is it? Did it go to the wrong account? These are just a few questions SPS should answer!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NC).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: A few weeks ago i checked my credit score, and accounts via   XXXX   XXXX  , i had disputed some accounts that should have been removed from my Equifax Credit report, Equifax removed following accounts :   XXXX / XXXX ,   XXXX   XXXX   and  a second   XXXX   XXXX   account, about 10 days later when i check my score those accounts were added back to my credit report without notifying me at all. this is clearly an violation. I called Equifax, but they would not help me with this issue  . 15. U.S. Code 1681i FCRA 611 ( a ) ( 5 ) ( B ) ( ii ) Notice to consumer, if any information that has been deleted froma consumers file pursuant to subparagraph ( A ) is reinserted in the file, the Consumer reporting Agency shall notify the consumer of the reinsertion in writing no later than 5 business days after the reinsertion, or, if authorized by the consumer by any other means available to the agency.
I was not notified in any kind of way that those accounts were reinserted or why. those 5 days have long passed

Company response to consumer: Closed with explanation
Consumer complaint received 12/16/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with AFNI INC. (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Account appeared on my credit reports. I disputed it, it was removed and company added the account back to my credit and continue to make attempts to collect

Company response to consumer: Closed with explanation
Consumer complaint received 10-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (OH).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have sent certified mail to experian requesting verification as well as validation. Experian has broken the law : By the provisions of Section 611 of the Fair Credit and Reporting Act of 1970, I demand these items be deleted from all current and future credit reports. Please forward the names of any individuals and/or organizations you contacted so I may follow up with them directly.
I shall assume that 30 days constitutes a reasonable time for verification of these entries. Through our interpretation of Section 611 ( a ), it is understood that the failure to verify these items within 30 days constitutes a reason to promptly drop the information from the credit report.
Pursuant to Section 611 ( d ) of The Fair Credit and Reporting Act, please send notification that these items have been deleted. Please send an updated credit report to my address that is listed above. The provisions of section 612 state that there is no charge for this notification.
Experian is concerned whether my complaint is from a credit repair company instead of addressing my issue of all the incorrect, fraudulent information on my credit report. I will be pursuing legal action against experian as well as CFPB. The LAW360 lawsuit is an just one example that will happen to experian. This is utterly ridiculous that consumers have to endure such foolishness! 

All these accounts are a product of identity theft : 1.  XXXX XXXX XXXX XXXX Negative item 2. XXXX XXXX XXXX XXXX Negative item 3. XXXX XXXX Negative item 4. XXXX XXXX XXXX Negative item 5. XXXX XXXX XXXX Negative item 6. XXXX XXXX Negative item 7. XXXX XXXX Negative item 8. XXXX XXXX Negative item 9. XXXX XXXX XXXX Negative item 10. XXXX XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/21/2016 about Credit reporting () with Experian Information Solutions Inc. (VA).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: XXXX XXXX XXXX/XXXX/15 I have disputed this illegal inquiry on my credit report more than a dozen times with Experian. Each time, Experian violates the FCRA and fails to investigate and correct my file. This HARD INQUIRY was not authorized by me, was made without my knowledge or permission, and was NOT FOR A PERMISSIBLE PURPOSE under the FCRA. The Statute requires Experian to delete this hard inquiry in the event it can not substantiate a permissible purpose, of which none exists. 

Yet Experian continue to violate the FCRA overtly, This is wrong, and I formally demand a further reinvestigation into their illegal practices. I can not prove a negative. The burden does not lie upon me. The FCRA was clearly written to protect consumers. How do I prove permission never existed? I can not prove a negative. And yet Experian continues to illegally report this hard inquiry. Under the FCRA, I am entitles to statutory damages of {$1000.00} PER INCIDENT in which Experian does not follow the law. 

Do I really have to sue? Or will the Bureau enforce the law and actually protect consumers? 

This hard inquiry MUST BE DELETED as it was not for a permissible purpose, and not authorized by me. 

I expect the law to be followed and this hard inquiry to be immediately deleted. 

Thank you, XXXX XXXX XXXX XXXXXXXXXXXX

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 11/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with OCWEN LOAN SERVICING LLC (IN).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: IN 2009 MY XXXX, XXXX AND XXXX MORTGAGE ACCOUNT WAS TRANSFERRED TO OCWEN LOAN SERVICING, DUE TO FACT XXXX XXXX XXXX WENT DEFAUNCT XXXX XXXX, XXXX. AS A RESULT OCWEN LOAN XXXX IS TILL REPORTING AS A DUPLICATE MORTGAGE ACCOUNT ON XXXX XXXX XXXX  AND THIS IS THE LAST TIME I AM ASKING, BUT WILL SUE FOR VIOLATION OF THE FCRA, TILA AND FINALLY VIOLATING THE : DODD-FRANK ACT 2009.

Company response to consumer: Closed with explanation
Consumer complaint received 03/22/2017 about Credit card () with SYNCHRONY FINANCIAL (FL).
Issue: Billing disputes

Complaint: Thank you for your recent inquiry regarding your CARECREDIT/SYNCHRONY BANK. has refuse to credit my dispute and given the right to the provide. after the orange county sheriff is doing an investigation I hope you can see that I have take this very seriously. There is a police report an investigation case number. I am not paying for something I do n't receive just case a GPS of a mailman says that he placed in the mailbox. Plus you are the most irresponsible people sending a package over {$100.00} without an insurance. Insurance Coverage -- Priority Mail Priority Mail pieces bearing an Intelligent Mail package barcode ( IMpb ) or USPS retail tracking barcode ( see 4.3.4 ) are insured against loss, damage, or missing contents, up to a maximum of {$50.00} or {$100.00}, subject to the following : Insurance coverage is provided against loss, damage, or missing contents and is limited to a maximum liability of {$100.00} when the Priority Mail pieces bear an Intelligent Mail package barcode ( IMpb ) and if the mailer pays XXXX prices. 
Insurance coverage is provided against loss, damage, or missing contents and limited to a maximum liability of {$50.00} when the Priority Mail pieces bear an IMpb or USPS retail tracking barcode, and does not otherwise qualify for {$100.00} of insurance coverage as described in 4.2a.I will dispute this till the end am not interested of doing any business with a business so irresponsible as you guys. I want a copy of my receipt. I never received the item. Just because the item were suppose place in the mailbox it does not mean the were deliver to my hands.

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 11/21/2016 about Credit card () with U.S. BANCORP (IL).
Issue: Billing statement

Complaint: Elan Credit services will not allow me access t o my account. They wont send my statements and they have locked me out my on line account. I do n't know what charges are being charged. I do n't know if I have late charges etc.

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 11-09-2016 about Credit reporting () with EQUIFAX, INC. (NC).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: There is a judgment showing on my report. I am attaching the paperwork from the clerk of the courts office showing this is satisfied and needs to be deleted. Clerks office said they do not report to the credit bureaus and suggested I go through this site.

Company response to consumer: Closed with explanation
Consumer complaint received 08-04-2016 about Debt collection (Federal student loan) with Navient Solutions, LLC. (IL).
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint: I received a call from XXXX XXXX XXXX XXXX, regarding a student loan that is owed by my daughter. The collector was screaming at me, telling me I am a loser and I should have never procreated children if they ca n't pay their bills. That my children are clearly losers like myself.

Company response to consumer: Closed with explanation
Consumer complaint received 06/28/2016 about Debt collection (Payday loan) with Premier Portfolio Group (KS).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint: Premier Portfolio group continues to call and leave me messages from different numbers. I have just received another call today. I have received no documentation from them that I requested to be mailed to my home. They attached a document on another complaint that shows my debt is from XX/XX/XXXX. I have a chapter XXXX bankruptcy that was discharged XXXX/XXXX/XXXX. this debt was included. They should not be able to keep calling and harassing people that have had a bankruptcy discharge 4 years ago. Please have the debt collection stop as bankruptcy should stop those calls. And the company has still not sent any valid paperwork to my home as they stated. and this has been over a month. Now they call and leave another threatening message on my voicemail.

Company response to consumer: Closed with explanation
Consumer complaint received 11/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with GENERAL MOTORS FINANCIAL COMPANY, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: AmeriCredit XXXX XXXX doing business as XXXX XXXX took me to court. The case ruled in my favor, I do n't owe anything! However, they are still on my credit report showing I still owe them. The courts have ruled back in XXXX XXXX XXXX that I do not owe anything. They are reporting incorrect information on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I have a XXXX XXXX XXXX XXXX account. It shows a late payment on this account that is NOT correct. I have disputed this with the credit bureaus and also with XXXX XXXX directly. They claimed they investigated this and they are reporting correct information. There is NO way this is true. 
It was paid off and the last payment made was in XXXX of XXXX. I was told this on the phone with XXXX XXXX and then it shows this on my credit report. Some how they then claim I made a late payment 2 months after this account was paid off. This is impossible to have occurred. I tried to tell them this over the phone and they refused to speak with me about it over the phone. They said that I had to send a letter to their dispute center. I did so and explained there was no way this could have happened and it has STILL NOT BEEN CORRECTED. 
I tried to explain this to the credit bureaus and to XXXX XXXX and they have refused to change this and they have left me with no options to get this corrected. What they claim is not possible and I have no documentation to support this because there were NO PAYMENTS DUE after XXXX of XXXX. TransUnion accused me of being a liar, and that was supposedly a manager of TransUnion. 

I am very frustrated because this account is causing me great harm and has been for a while now. I want this account removed now! I would also like something to be put in place to help others in this situation. There needs to be an easier way to resolve these types of situations without having to file complaints to get someone to listen to you. I have spent hours of my time and money arguing this with them and this is COMMON SENSE! It is NOT Possible to have made a late payment 2 months after he account was paid off and the last payment was made. There is NO WAY ANYONE INVESTIGATED THIS because if they had, they too would have realized this is a false 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 explanation
Consumer complaint received 05/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, 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: In  XXXX , I was unable to submit a dispute through Transunion online due to an online dispute that was already in progress so I mailed them the dispute. I disputed the same information with   XXXX   because whatever the debt is it does not belong to me and have no idea what it is doing on my credit report. First the transaction showed as closed with a balance due now it shows as open with Transunion.  XXXX  complete their investigation in a little over 30 days but deleted the same information I am arguing with Transunion over. I have called the company and I get no where at all with getting information about this  XXXX  I supposedly owe. They say its  XXXX  I say ok send me the information and they hang up on me or try to get me to pay it.. I go to submit a dispute again to Transunion and again there is an error message on their website but this time I have no other disputes open. I have called Transunion about their website disputes issues and get put on hold bounced around and eventually disconnected.

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 01/29/2018 about Vehicle loan or lease (Lease) with JPMORGAN CHASE & CO. (NH).
Issue: Problems at the end of the loan or lease
Sub-issue: Termination fees or other problem when ending the lease early

Complaint: I had a lease with Chase Auto Finance that had 5 payments remaining for a total of {$1300.00}, or thereabouts. I purchased a new vehicle and the new dealership agreed to pay the {$1300.00} that was due ( {$260.00} x 5 = XXXX ). Upon the dealership sending payment, which was a few weeks late as they had the wrong address, Chase Auto called me and said I had a balance remaining of {$350.00} due to issues with the vehicle. I requested a formal dispute as the dealer ( XXXX XXXX ) that I leased the car from and was also the dealer I delivered the car to failed to inspect the vehicle while i was there. After showing up at my appointment time to drop the car off and have it inspected ; once the sales person realized i wasn't purchasing/leasing another vehicle he ignored me and after 1.5 hours i left the dealer. My goal in disputing with Chase was so i could reach out to the dealer to see why they had claimed that the returned car had defects, which i contest didn't have. Chase Auto Finance never allotted me the time and charged off my account and now says I owe {$540.00}, even though its not accruing interest or fees. With me being someone who has several car loans/leases through Chase over the course of 10 years ; never missing a payment, I felt they would honor my dispute request. Since the account has been in collections, I have called over 15 times trying to get through to my " Account Specialist '' XXXX at extension XXXX. She never answers her phone, even though I have left over 10 messages. No one else in the recovery department is allegedly allowed to speak to em about the account. They say I need to speak to XXXX. Once representative told me shes been in and out of the office recently and has been trying to play catch up. I even tried to call and pay the {$540.00} to protect my credit and they said they can not accept payment. 

They have negatively affected my credit with their negligent business practices, as my credit reflects a charged off balance of {$540.00}. I feel Chase has wronged me because they didn't give me any options to dispute the balance, even when I made a legitimate claim and they also didn't give me a chance to try and save it by paying, even though i disagreed with the charges. I am asking for my credit to be fixed and the ability to dispute the charge. I will even pay the charge until the the outcome of the dispute is determined. If its determined that i was right, then they can reimburse me.

Company response to consumer: Closed with monetary relief