milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CO).
Issue: Problem with fraud alerts or security freezes

Complaint: Credit reporting companies, the big three - equifax, XXXX, and XXXX all charge fees for instituting, thawing, and lifting credit freezes. These companies collect this information without my consent and I am coerced in to " doing business '' with them if I want to be involved in society in any meaningful way. The fact that I have to PAY THEM MONEY to adequately protect my valuale personal information is a discrace. Since I and other consumers have no recourse to not to business with these companies ( other than exit from society all together ) free market principles will not work to solve this problem. And I am forced to pay their fees. For example, if I do n't like that XXXX charges a fee for a credit freeze, I ca n't just decide to move my business to XXXX. And for those who the can not easily afford the fees ( x3 because you need to do it at three companies ), this is even more burdensome and onerous. Thus some type of protection from these abuse of the market by these companies is needed. Some states have such laws, but not my state. 

In light of the egregious theft of my highly valuble personal information from Equifax, the importance of a security freeze is great. These comanies should allow me to protect my information without financial penalty.

Company response to consumer: Closed with explanation
Consumer complaint received 09/24/2016 about Debt collection (Mortgage) with JPMORGAN CHASE & CO. (GA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I am requesting copies of the original mortgage assignment to Chase for this loan. 

I would like to see documents that show when Chase was assigned the right to collect or service this mortgage loan.

Company response to consumer: Closed with explanation
Consumer complaint received 09-01-2015 about Consumer Loan (Vehicle loan) with TOYOTA MOTOR CREDIT CORPORATION (TX).
Issue: Taking out the loan or lease

Complaint: While in the car dealership purchasing a new vehicle, the salesperson brought a loan amount significantly cheaper than the amount of money financed on my paperwork. Before signing the paperwork, I made the salesperson and the finance department aware of the mistake in amount of money financed but the higher amount is still on my sales contract after they assured me that this was not the amount I was borrowing and repaying. I received a terrible interest rate and will be paying more than {$16000.00} in interest on this loan.

Company response to consumer: Closed with explanation
Consumer complaint received 11-10-2016 about Bank account or service (Checking account) with UNITED SERVICES AUTOMOBILE ASSOCIATION (OR).
Issue: Deposits and withdrawals

Complaint: USAA is in the practice of : Depositing personal checks via their mobile app. 
The funds are deposited and the app will inform you the funds are available immediately. 

USAA then claims the right to place that deposit on a funds hold at a later date without any kind of notice. The consumer is required to check back in at any random time to find funds are no longer available for use. 

I will then write a personal check to pay a bill, and that check will bounce. I 'll look to find that my money is no longer available to me. My bank has made some unexplained determination that they will hold funds for 10 days. Because my funds were not available they charge me an NSF fee three times. After asking for an explanation, I 'm told there is none, but that I 've agreed to this policy. 

Then they release my funds after all three attempts have been made. 

I find this practice to be fraudulent because I 'm given notice that they have my funds and I 'm not given any notice that they will be held at some point. USAA then takes an action that results in their keeping my money as a result of the arbitrary action they 've taken. This seems very corrupted to me. Despite their claim that I 've consented to this system of abuse, I believe the matter is larger than just my individual experience.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01-08-2018 about Debt collection (Other debt) with Diversified Consultants, Inc. (GA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Debt disputed XXXX/XXXX/XXXX, XXXX/XXXX/XXXX and XXXX/XXXX/XXXX. Asked for validation on 3 different occasions XXXX XXXX sent nothing but a bill with totally different last name and address not associated with me. No social security number or identification attached. After a few attempts it was deleted from credit bureaus file. I 've recently noticed the same debt placed back on all three credit bureaus under a different collection agency Diversified Consultants , Inc . I immediately asked for validation it 's the same information from previous collection agency that I originally disputed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/18/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (TX).
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint: I recently looked at my credit reports and noticed that XXXX XXXX XXXX XXXX XXXX XXXX reported negative marks Paid, was past due 30,60 days on my reports WITHOUT ever telling me they were going to report them. I believe this is incredibly unfair and had I received the federally mandated notice to me, I would have paid on time. 

According to the Fair Credit Reporting Act Section 623 ( a ) ( 7 ) ( A ) ( i ) and ( B ) ( i ), they has a responsibility to provide a notice furnishing of negative information, in writing, to the customer and that this notice is to be given to the consumer prior to or no later than 30 days after furnishing the negative information In fact, the Federal Reserve even created a published form so that creditors can be in compliance. Here is the compliant verbiage : We may report information about your account to credit bureaus. Late payments, missed payments, or other defaults on your account may be reflected in your credit report. 
In short, I never received such a warning notice! 

I understand that according to the Fair Credit Reporting Act, failing to provide this notice can result in a penalty up to {$2500.00} and can be enforced by the FTC, and that my state attorney general can also enforce this with a {$1000.00} penalty as well. 

I attached a copy of the law and the actual document from the federal reserve

Company response to consumer: Closed with explanation
Consumer complaint received 04-09-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (TX).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: This account should not be as much as it is and I do n't recognize this amount as being true

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 10-09-2017 about Mortgage (VA mortgage) with Caliber Home Loans, Inc. (WI).
Issue: Trouble during payment process

Complaint: My original mortgage payment was {$1100.00} and was adjusted to {$1500.00} due to a shortfall in my escrow. It was discovered that Caliber paid taxes on two parcels one ending inXXXX and the other ending in XXXX. Parcel ending in XXXX does not belong to me. It is on record as belonging to me neighbor. Parcel ending in XXXX was paid by Caliber home loans in the amount of XXXX. As a result mortgage was increased to cover the escrow deficit. When I was contacted by Calibers debt collection agency for a late payment I took action to try and have the issue rectified. I had a research request in to remove the tax parcel that I do not own. After about 3 months the parcel was finally removed. Caliber home loans then readjusted my mortgage to {$1200.00}. Caliber home loans stated that I still owe the additional money that was dispersed for the wrong property tax. Every payment I made of the {$1100.00} each month did not cover the billed amount, due to not being the " complete '' amount it was put in a holding account until the entirety was paid of the increased billed amount. Causing me to have late payments every month. Caliber told me that I could dispute the late payments with the credit bureau but they would not adjust my payments to show that I was not late due to the fact that I did not pay their increased billed amount due to their error.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NH).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: XXXX XXXX XXXX XXXX XXXX {$300.00} XXXX  XXXX XXXX XXXX XXXX {$600.00} I have never argued over that supposed debt item because there is no debt item. I have lived up to my agreement and nothing is owed by me. 

MY PROOF of adherence to the terms of the original rental lease is as follows : As per the original lease with XXXX XXXX dated XX/XX/XXXX Monthly payments of {$850.00} were due on the first ( XX/XX/XXXX) of each month, and considered late on the sixth ( XXXX ) of each month. 
First of all, the lease payments during my residency did not ever total a monthly amount of {$900.00} ( {$600.00} plus {$300.00} ). Again, as the original lease reads, the monthly rent was a flat {$850.00} ( see attached ) Section 9. TERMINATION OF TENANCY BY RESIDENT Upon the first anniversary of this Lease, the resident may, at any time, thereafter, terminate this agreement by giving the Landlord a written notice of its intention to terminate. The tenancy is then terminated within XXXX ( XXXX ) days or at the end of the next rental month following receipt of notice, whichever is greater. 

DOCUMENTS INCLUDED : Page XXXX of the Original XXXX XXXX XXXX XXXX - Rental termination letter for XXXX XXXX XXXX - Rental payment/final payment for XXXX XXXX XXXX Rental payment for new residency at XXXX XXXX XXXX Rental payment for second month of new residency at XXXX XXXX I, as of yet, have not seen any valid proof of verification of this supposed debt. Nothing of what I have asked for in multiple certified letters has been furnished to me in any way. What I have seen displayed is YOUR willful refusal to provide proper verification as required by law. 

Where is YOUR proof of ACTUAL VERIFICATION of this supposed debt Item? 

Where is YOUR proof of ACTUAL VERIFICATION giving you the right to post this as a negative item to my credit report? 

Where is YOUR documentation! 
Since you have proven that you can not supply that proof, you must remove it from my report!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
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 had an account with XXXX XXXX I paid the account off and at no point was it charged off. I believe there was some type internal error that they coded the account to be a pay balance each month instead of monthly. Whatever the case it never was charged off. This is have a huge impact and I really need your help.

Company response to consumer: Closed with explanation
Consumer complaint received 12/13/2017 about Payday loan, title loan, or personal loan (Title loan) with SYNCHRONY FINANCIAL (PA).
Issue: Charged fees or interest you didn't expect

Complaint: I filed a complaint on XX/XX/XXXX case number XXXX. On XX/XX/XXXX the company, Synchrony Bank, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, UT XXXX responded that they would release my title within 15 days of payoff. My loan was paid off on XX/XX/XXXX and I still not received the title.

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 09/20/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with RoundPoint Mortgage Servicing Corporation (TX).
Issue: Loan servicing, payments, escrow account

Complaint: Roundpoint Loan Number XXXX I suffered hail damage on my home in midXX/XX/XXXX 2016. Submitted a claim to XXXX my home insurance company during the first week of XXXX 2016. XXXX issued payments for the same during the last week of XXXX 2016. Around XXXX XXXX, 2016 we fedexed to Roundpoint the XXXX checks and other paperwork as requested by Roundpoint for a disbursement from them to us. Since XXXX XXXX, Roundpoint has not contacted us even once regards disbursal of insurance proceeds. We have spent more than 5 hours on the phone with various Roundpoint reps and have got a variety of excuses but till date we do not have from Roundpoint any funds. We 've signed a contract with a roofing company and can not get our roof repaired due to Roundpoint not sending us our insurance proceeds. 
Initially Roundpoint pointed out a {$700.00} discrepancy in the paperwork which we addressed. The discrepancy is now down to {$63.00} and Roundpoint still refuses to issue payment to us.

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 11/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (IL).
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: Experian has not properly investigated the following issues on my credit report. Their claim to have investigated the issues is false since the creditors have attempted no contact with me resulting from said investigations. Please see items below INQUIRIES 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 {$950.00} XXXX XXXX XXXX XXXX {$1200.00}

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 01/15/2016 about Credit card () with WELLS FARGO & COMPANY (CA).
Issue: Advertising and marketing

Complaint: On XXXX of XXXX I applied in a Wells Fargo branch for a Secured credit card. This card has an annual fee of {$25.00}. On XXXX XXXX XXXX I applied for a credit card offered though Wells Fargo called the Wells Fargo XXXX XXXX XXXX XXXX. That card 's ( XXXX ) application was denied because I am not a XXXX. Because of this application 's denial I recalled that my Wells Fargo had been open for THREE years now and I was still paying an annual fee each year and the card remain a secure credit card. So I called Wells Fargo to ask if the reason my card had not graduated to a unsecured credit card because I was n't a XXXX and they informed me that that was indeed the reason. I asked for the annual fees I had paid to be refunded because the card was never going to do what was advertised as becoming a unsecured credit card in a year or more time. The representative at first informed me that XXXX annual fees would be able to be refunded however later in the call after being put on hold I was told that only XXXX annual fee can be refunded. It is unacceptable that I was never informed of Wells Fargo policy on unsecured credit cards for non-XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 05/18/2016 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I am the victim of identity theft and have been working to fix my credit for years. I had perfect credit until some criminal ruined it. Slowly but surely I have proved accounts do not belong to me and Experian has fought me every step of the way. I have repeatedly disputed a XXXX XXXX account ending in XXXX on my Experian credit report. They have refused to remove it. Furthermore, they refuse to remove an address of XXXX XXXX XXXX XXXX that does n't belong to me as well. They are reporting credit inquiries that do not belong to me and do not meet the permissible use requirement of the law. Today I tried to upload a letter from XXXX XXXX, roof he account does n't belong to me, in PDF format to their servers. Even though the file was the correct format, they refused to accept it. They also refused to accept the below statement that was in PDF format. The files would not upload to the server. 
The following inquiries are fraudulent and unauthorized. They do not meet the law 's requirement for permissible use. 
Account name XXXX XXXX Date of request XXXX/XXXX/2016 Account name XXXX Date of request XXXX/XXXX/2016 Finally, they are reporting a XXXX XXXX XXXX and XXXX XXXX account that do not belong to me. XXXX XXXX ( XXXX XXXX XXXX ) and XXXX XXXX ( XXXX ) refuse to respond to my repeated demands for proof of the debt. Experian is illegally continuing to report accounts that do n't belong to me. Their verification process is lacking. I have proved numerous accounts are being reported that do n't belong to me. Today I am submitting yet another letter for an account they repeatedly " verified '' as belonging to me and what do you know? It does 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 non-monetary relief
Consumer complaint received 07/19/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with ProCollect, Inc (ID).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I was not contacted by my orginal creditor, XXXX XXXX ; at this point it was sent to PROCOLLECT. I found out at the end of XXXX. I paid the debt IN FULL on XXXX XXXX, 2015. I was told I would recieve a paid in full letter and it would be removed from my credit report. This information was false, and cause me to be denied housing

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Please check the attached FTC ID Theft report, there are several inquiries on my credit report, they are all listed accordingly on that report. I did not give your company permission to run my credit nor do you have any permissible purpose to run my credit.   Since it is against the FCR A, 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] for an entity  to view a consumers credit report without a permissible purpose. I am writing to inquire as to your alleged purpose for doing so since I did not apply for any credit with your company.   This inquiry was performed under false pretenses as described in the clear language of the la w. 15 USC 1681n ( a ) ( 1 ) ( B ) wh ich states, in part, in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ;

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 10-05-2015 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (MN).
Issue: Forbearance / Workout plans

Complaint: FIA Card Services has been calling me on my cell phone and at my job for about 3 months. They have called me sometimes about 10 times a day. They have my Bank of America credit cards under XXXX different accounts instead of XXXX. They have called me with a XXXX area code on through away cell phones.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01-11-2017 about Debt collection (Auto) with ONEMAIN FINANCIAL HOLDINGS, LLC. (CA).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: Debt collector onemain contacted my family members and XXXX information regarding debt such as type and exact details without consent.

Company response to consumer: Closed with explanation
Consumer complaint received 10/23/2017 about Debt collection (Credit card debt) with PORTFOLIO RECOVERY ASSOCIATES INC (TX).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: 1. On XXXX/XXXX/XXXX, I noticed a collection account listed on my credit report for {$4000.00} through the XXXX  credit reporting agency. 
2. I have contacted the original creditor ( XXXX XXXX ) and could find no evidence of any sold balance for {$4000.00}, which is a violation of FDCPA 807 ( 2 ) ( a ) misrepresenting the character, amount, or legal status of a debt. 
3. The information has been reported to XXXX credit bureau as a 1 month term account, which is an FDCPA violation. FDCPA 807 ( 2 ) ( a ) misrepresenting the character, amount, or legal status of a debt.
4. The information has been reported to XXXX credit bureau as a closed account when it should be reported as a collection account, which is another violation of FDCPA 807 ( 2 ) ( a ) misrepresenting the character, amount, or legal status of a debt. 
5. Portfolio Recovery Assets has engaged in collection behavior that violates the Texas Finance Code Sec. 392.302, subsection 1 and subsection 4 by engaging in a large amount of repeated phone calls in which the caller does not identify themselves.

Company response to consumer: Closed with explanation