milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with U.S. BANCORP (TN).
Issue: Problem with fraud alerts or security freezes

Complaint: This is a new Complaint on U S Bank Mortgage. I never received XXXX-mortgage interest statements from U S Bank mortgage from XX/XX/XXXX - XX/XX/XXXX. These statements was reported to IRS, yet I never received copies to file my taxes. Since payments was made to U S Bank from my checking account with XXXX XXXX XXXX I have the right to receive these statements. The account number with XXXX XXXX XXXX was XXXX/XXXX.
US Bank never mentioned the {$100000.00} transferred to them from XXXX XXXX  on XX/XX/XXXX. I received a settlement from a XXXX XXXX law sue. Whom ever have my drivers license & social security card made this transaction. U S Bank Mortgage did n't inform me of the many payments made to them from XXXX XXXX XXXX & XXXX XXXX. It was a series of mortgage payments, with a series of account numbers. The was an account for US Bank mortgage paid on XX/XX/XXXX. The account number is XXXX in the amount of {$1000.00}. U S Bank mortgage have mortgages that was being paid, using my accounts. A large amount was transferred to them. If it was n't the XXXX Family. It was XXXX XXXX, she was a XXXX before she got married. My youngest child is being used also, because he have a XXXX XXXX & he 's a XXXX XXXX. His name is XXXX XXXX XXXX/ his social security number is XXXX.

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

Complaint: On XXXX XXXX, 2016, I disputed the account specified in the attachment with Experian. I am asking that this account be removed from my credit report because it does not belong to me. I have no idea what this account pertains to.

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 05-10-2016 about Debt collection (Credit card) with RGS Financial, Inc. (OR).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: On XXXX/XXXX/16, RGS Financial contacted my mother and repeatedly asked her for my phone number.

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 03-12-2016 about Payday loan () with TrueAccord Corp. (MN).
Issue: Charged fees or interest I didn't expect

Complaint: A payday loan from over 2 years ago from an illegal lender ( no lending license in Minnesota ) called XXXX has sold my contact information to various companies trying to extract a payment from me when I owe nothing more on this former loan. The latest company is called TrueAccord calls from XXXX, XXXX and then text me from XXXX asking me to click onto a link and make a large payment and have called me as well. I do not owe XXXX anything as they are illegal in Minnesota and I do not have to pay anything more than I already paid them 2 years ago. They are saying I suddenly owe a debt of {$1000.00} and that is absolutely not true. They are an unlicensed lender for Minnesota residents. I have had this same sort of call and threat from multiple debt collecters or scammers on behalf of XXXX many times in the last two years and have also filed complaints with the MN attorney general and the minnesota dept of commerce.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/20/2018 about Checking or savings account (Checking account) with JPMORGAN CHASE & CO. (FL).
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint: On late XX/XX/XXXX I made a cash deposit of {$2500.00} into my Chase Checking account at a Chase ATM located at : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX United States The ATM malfunctioned screen went blue saying : transaction cancelled and returned {$700.00}. Then it spit out my card and kept {$1800.00}. And didnt log it into my checking acct. I double checked my balance and immediately called the 1-800 number on my atm card for assistance from customer service. They took a report and said that the funds would be put into my checking acct. 
that did not happen! 
The next day I went to the branch manager at the XXXX branch of the bank and she was very helpful and they put the {$1800.00}. Dollars into my acct. several days later they removed it without notice on XX/XX/XXXX at midnight. 
That put my acct into a negative balance scenario they have exploited the scenario to charge me over and over again fees and charges. Ive tried to speak with representatives at the branch and they want to help me but refer me to claims on the phone and the representatives on the phone are very rude and refuse to listen to me. Subsequently I pass by that atm daily and even though they insist the ATM was checked and my funds were not found I caught them replaceing the entire ATM in XXXX XXXX and took pictures. 
I immediately went back to the bank to discuss once again they put me on with claims the representative refused to identify herself except by first name XXXX and she told me the claim was over the money was not found that she could not help me and that they use a third party vendor for their ATMs and maybe I should contact the third party with questions about the incident. 
This situation ruined my holiday my kids holiday and now threatens my credit score and I need help please.

Company response to consumer: Closed with monetary relief
Consumer complaint received 03/26/2017 about Consumer Loan (Vehicle loan) with CONSUMER PORTFOLIO SERVICES, INC. (PA).
Issue: Problems when you are unable to pay

Complaint: I would like an investigation of CPS ' loan contracts and billing. Per the FTC 's listed violations, this company has settled a class action lawsuit against them in XX/XX/XXXX and I would like to know if I 'm eligible for a refund or account adjustment of some sort, as for I opened an auto loan with them in XX/XX/XXXX I never received any notice of a lawsuit, pending or complete from CPS during my time of having a current auto loan open with them. As time went on I experienced a financial hardship which resulted in non-payment of my loan. I eventually had the car voluntarily repo 'd. They explained during this process that the car would then be sold and the amount they sold the car for would then be applied to my balance. They never reached out to me about its sale neither call or mail. I called them numerous times in which they kept telling me the car had n't been sold. I finally called them again, about 3-4 months after having the car taken to get information about its sale. The car in fact had been sold, but I had n't received any bill of sale. To this day, they claim I 'm still responsible for the entire amount due, even after they have sold the vehicle. Also upon logging into their website ( in which I can still access ) I only have access to XXXX billing statements out of all the months of having a car loan with them, all in which do not detail the breakdown of fees or interest in any way specific. My main concern is to see if I 'm eligible for an account adjustment pertaining to my accusations of their unfair lending practices.

Company response to consumer: Closed with explanation
Consumer complaint received 04/13/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: At the beginning of the year myself and my wife received a copy of our credit reports and we noticed that there are many variations of our names and addresses that are unknown to us, including places of employment. So we deiced to update our personal information with the credit bureaus. 
On XX/XX/XXXX and XX/XX/XXXX we uploaded our up to date personal information including our places of work to Experian credit report upload website, we included notarized proof of our names, addresses and social security number. few weeks later we received copies of our credit reports from Experian and we noticed that they did not delete the inaccurate and old personal information, they just add the new information we send them. So, we did send the information back again on XX/XX/XXXX but this time by certified mail, and as the first time we send them proof NOTARICED of our identity, address and social security card, and once again, our information was not corrected, if they were ignoring the information we were sending them. On XX/XX/XXXXI call Experian to ask for an explanation why the information was not removed if we did send them notarized proof two times?

The answer I got from the agent was, that they will not remove or update my personal information unless a creditor or collection agency inform otherwise. I even argued that I am the only person with all original documents probing my identity, and as an example I ask the agent that if I have my birth certificate with my name written on my hand and my neighbor on the phone telling them a random  name of mine, which party they are going to believed? ... agent .. '' dont take it personal but, your neighbor.. 
Please help me to update my information, what Experian is doing is illegal our information has to be accurate, our names have to be 100 % accurate and all addresses most be removed, they are not deliverable to me or my wife by the US Post office, and they are not reportable as per the FCRA, since they are inaccurate.

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 03-08-2016 about Credit reporting () with Experian Information Solutions Inc. (MI).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: I have submitted a credit dispute with Experian a number of times about my address and addresses that are not mine also deleted information on my credit report and they refused to delete it even though it has been deleted off of my XXXX and XXXX credit Report. They also associate me with an address because I have utilities in my name at that address but as I explained to them it is not or nor has it ever been my known physical address so it should not be reported on my credit report. I have a utility bill in one of my relatives name because he and his wife was going through hard times and for some unknown reason Experian is reporting that as my address.

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 08/18/2017 about Debt collection (Medical debt) with Ability Recovery Services, LLC (MI).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I bought a car in XXXX XXXX with excellent credit. On XXXX XXXX I went purchase another vehicle and found out I owe a medical bill to Ability Recovery Service LLC. This was placed on my credit on XXXX of XXXX. I have sent a letter to Ability Recovery Service and faxed a letter to them on XXXX XXXX have called XXXX XXXX XXXX on this matter and they said the bill was paid due to a medical era. I am exercising my right under the FDCPA to dispute the alleged account and demand Validation. I am attaching you the letter I send Ability Recovery Service and their response.

Company response to consumer: Closed with explanation
Consumer complaint received 05/27/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with OCWEN LOAN SERVICING LLC (PA).
Issue: Credit decision / Underwriting

Complaint: Received notice that I may be eligible for a mortgage refund by OCWEN " MISDATED LETTER CREDIT '' I was inform to submitted request for possible refund and that I would be informed of egibiliblity within 180 days. I submitted my request XXXX XXXX, I was recently informed by OCWEN that it would b ANOTHER 180 days from XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 07/18/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Jim Bottin Enterprises, Inc (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: The original creditor is workout anytime XXXX for a balance of XXXX. My final balance was as follows per an email to me on XXXX/XXXX/2016 : Contract payment {$45.00} Late/Service fees Cancellation fee Total Due to Cancel {$45.00} Cancel date XXXX/XXXX/16 The payment was to be drafted from my checking account which is active to date. I am not sure why it was not nor was I contacted regarding any issues. I had no idea this was a problem until I received a collection letter from Seas and Associates.

Company response to consumer: Closed with explanation
Consumer complaint received 02/22/2018 about Debt collection (I do not know) with Worldwide Processing Group, LLC (ND).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: This company, who identified themselves as Forward Movement Recovery, has been calling me dozens of times per day for an alleged debt that is at a minimum of 12 years old, for a pay day loan that I do not believe I ever took out. It is currently XXXX and I have received 3 calls so  far today. And now my dad says that he is getting repeated calls from this company every day also. I am XXXX years old. I just talked to 2 different people from this company, one that hung up on, and one that was so rude that I gave him a piece of my mind.

Company response to consumer: Closed with explanation
Consumer complaint received 03/25/2016 about Debt collection (I do not know) with Platinum Holdings Group, LLC (LA).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: XXXX XXXX, an agent of PR Associates, XXXX, and Premium Receivables called my employment in an attempt to collect an unknown debt and threatened to send a lawsuit to an old address of mrine. I requested paperwork of said debt, yet he insisted that he could not provide such written hard copy paperwork for detail. Also, XXXX informed me that if I could not furnish a settlement by the end of the month. The lawyers are will notify the local court. He also suggested if I take out a payday loan, that would get me started on my first settlement payment of a debt I have no awareness of. 

The company PR Associates phone number is XXXX. This number usually changes suffixes to bounce around harassing calls as a deceptive way of not being discovered for these unlawful practices of soliciting money from consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 03/30/2017 about Student loan (Federal student loan servicing) with MOHELA (NY).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I was shocked when I reviewed my credit report and found several late payments on my student loans with the dates below : XXXX 90 days past due as of XX/XX/2013 XXXX 90 days past due as of XX/XX/2013 XXXX 90 days past due as of XX/XX/2013 XXXX 90 days past due as of XX/XX/2013 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that this was supposed to be in deferment and it did not get processed correctly or the payments I sent in were not registered.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: On XXXX XXXX, 2015 I sold my condo under a short sale with XXXX and XXXX XXXX XXXX. XXXX reported my sale incorrectly as a foreclosure. I 'm writing you hoping that you 're able to help me get this reported correctly. XXXX reported it as a short sale. Transunion and XXXX are reporting foreclosure and XXXX is reporting short sale 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 explanation
Consumer complaint received 03/20/2015 about Money transfers (Domestic (US) money transfer) with MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (MO).
Issue: Fraud or scam

Complaint: I was scammed into sending money for a XXXX bonus winnings randomly selected and the number they use is XXXX XXXX XXXX XXXX XXXX, New York XXXX and the phone number is ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2016 about Credit card () with SYNCHRONY FINANCIAL (CA).
Issue: Billing disputes

Complaint: I purchased a piece of furniture in XXXX 2015. They advertised 12 months with no interest to pay the total amount. When I received my statement, I began making the appropriate amount each month to ensure a total payoff by the XXXX month. I made XXXX payments in XXXX 2015 so that I would be sure to pay off before the due date. Recently, I went online to check my account activity. They have charged a minimum service fee ( {$2.00} ) and a late charge ( {$35.00} ) every month. I have called and spoken to XXXX different customer service representatives/supervisors, with no resolution. They have offered to remove XXXX or XXXX charges. I have paid through bill payer from my checking account which shows XXXX payments made for 2015.

Company response to consumer: Closed with monetary relief
Consumer complaint received 06/15/2016 about Student loan (Federal student loan servicing) with AES/PHEAA (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: My assigned federal student loan servicer is FedLoan Servicing. I have been attempting to switch my repayment plan from the IBR plan to the REPAYE plan since XXXX 2016. FedLoan has made numerous errors and has neglected to process my requests over a period of over 6 months. The original request to switch plans was completed on the XXXX and XXXX XXXX XXXX website ( studentloans.gov ). Over a month later, I had not received any correspondence from FedLoan Servicing. After calling several times and getting various misinformation, I was eventually informed that they had received the request but were n't processing it until I called them to request to be switched. After several more calls and more misinformation, I was finally placed on a reduced payment forbearance so that I could make the single payment to get out of IBR and switch to the REPAYE program ( request completed on XXXX XXXX, 2016 ). Most recently, I made XXXX reduced payments ( after having been told I only needed to make XXXX XXXX, on XXXX XXXX and XXXX XXXX. I then received a bill for XXXX, due on XXXX XXXX and was informed that its because FedLoan did n't process the request prior to the expiration of reduced payment forbearance. This issue required another set of calls to sort out, with more misinformation. So, its been over 6 months and more than XXXX calls to FedLoan Servicing, with lots of misinformation and mistakes along the way, and the process is still not complete! My husband has loans serviced by XXXX XXXX and he was able to complete the process in less than 30 days. I do n't understand how customer service can be so discrepant between the XXXX loan servicers and have been beyond frustrated by FedLoan Servicing and the amount of time and energy required to make a fairly straightforward change on my account. I have been so unhappy with their customer service, I sincerely hope to receive a different loan servicer. This is incredibly unfair to me and probably lots of other people who have had similar problems with FedLoan Servicing.

Company response to consumer: Closed with explanation
Consumer complaint received 12/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Contacted transunion, XXXX and XXXX on XX/XX/2017 regarding an collection account that is invaliding reporting ; I do not have a contract with this company the reporting is a HIPPA violation and its is reporting multiple times XXXX XXXX is reporting to bureaus 5 times with different account numbers however same amount.

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 10-01-2015 about Consumer Loan (Vehicle loan) with ALLY FINANCIAL INC. (TX).
Issue: Taking out the loan or lease

Complaint: I finally sit down and saw that my interest rate was high on my loan for the car that i 'm purchasing. Its a XXXX valued at XXXX when I finalized everything it came out as XXXX finance charges. Well I was thinking that was might step for that yr and amount and now I got a letter saying that they was sued and had to pay XXXX payment on the loan because of discrimination well I do n't believe it was color but I do believe it was unfair practices on their behalf. I think I could have gotten lower interest rate compared to someone with the same credit the difference was I already had a car loan out already. The company is called ALLY ....

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/23/2016 about Student loan (Non-federal student loan) with CITIBANK, N.A. (FL).
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint: I had enrolled in a College back in 2008 and the school signed me up for this loan from a private lender. I did not fully understand what it was I was enrolling in and now I have had a bill from CitiBank Student Loans on my credit report since 2008. They then transferred the loan to another creditor and so I would like to dispute having these collections on my credit report. This is illegal as far as I am concerned and i would like to get some help resolving 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