milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05-03-2017 about Debt collection (Credit card debt) with SOUTHERN MANAGEMENT CORP. (GA).
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint: I have a loan with COVINGTON CREDIT  XXXX   XXXX   XXXX   XXXX , GA  XXXX . I had a check returned for  XXXX . I wrote a letter explaining that I 'll cure the check  XXXX   XXXX ,  2017 . When I called, THE  XXXX  FEMALE REP, I 'M  XXXX  TOO, TOLD ME THAT MY CHECK CLEARED. I ASKED, ARE YOU SURE? SHE REPLIED YES. TODAY,  XXXX   XXXX , THIS SAME  XXXX  CUSTOMER SERVICE REP CALLED MY HOME  15 TIMES, YES, 15  TIMES CLAIMING I OWE  XXXX  SHE EVEN CALLED A RELATIVES CELLPHONE. I WILL CURE MY DEBT ON THE  XXXX  OF  XXXX . This employee does not know her job nor does she know that in Georgia, calling someone consectively is Misdemeanor stalking. She gave me wrong information and I tried to do the right thing and cure my debt. I want her stop calling my home and she needs to do her job right.

Company response to consumer: Closed with explanation
Consumer complaint received 09/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: i bought a used XXXX XXXX XXXX on XX/XX/XXXX and had inquiries without my permission and a week later i had 12 hard hits on my credit report and i contacted XXXX XXXX and addressed the problem and requested a letter of removal and they were mean nasty and told me to shut the XXXX XXXX XXXX XXXX XXXX and they would not help me i spoke to XXXX XXXX { salesman ) and XXXX ( finance manager ). My score went from XXXX to XXXX in a matter of a month. Also since XX/XX/XXXX many other hard hits have been put on my credit report which i do not recognize. The dealership above is a very cruel uncaring place to do buisness. They care only about money and not a customer relationship at all.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/20/2018 about Debt collection (I do not know) with Vargo & Janson PC (CO).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint: My identity was stolen years ago including credit card numbers. Some company who bought this debt, even though I told them that it was the result of identity theft, has been threatening to have me arrested. I have filled out all information to the best of my knowledge and returned to the courts. I am XXXX XXXX   so it is hard for me to maintain a job to either file bankruptcy or hire a lawyer.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/16/2016 about Debt collection (Credit card) with SQUARETWO FINANCIAL CORPORATION (MN).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: Cach LLC never contacted me once about a debt they purchased XXXX XX/XX/XXXXXXXX purchased it from XXXX in XXXX. I havent made a payment on this debt since XXXX. XXXX removed their account fTom my credit report because it 's over 7 years old. Cach LLC however is falsely saying it did n't go delinquent until XXXX and refuses to remove it. When I asked them to send me verification of the debt they refused to do so.

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 11/25/2015 about Bank account or service (Savings account) with ALLY FINANCIAL INC. (AZ).
Issue: Deposits and withdrawals

Complaint: I HAVE A ALLY BANK ACCOUNT DID A DEPOSIT IN THE SAVING ACCOUNT .I HAVE A CHECHING ACCOUNT TO. THEY PUT THE MONEY IN THE ACCOUNT NEXT DAY BUT PUT A HOLD ONTHE FUNDS TO MONDAY I WAITING UP TO TRANSFER THE XXXX TO CHECKING AT XXXX DID NOT HAPPEN LIKE IT SHOULD THEY ARE IN PA SO IT WOULD HAVE BEEN XXXX AZ TIME .THEN INSTEAD OF PULLING THE XXXX FROM THE SAVING THEY PAIDED AND GAVE ME A XXXX OVERDRAFT FEE. I CALL IN TO GET THE FEE REMOVED AND PAY THE XXXX THEY TURNED IT DOWN. I WAS GOING TO CLOSE THE ACCOUNT. SO I DONT HAVE ALLY BANK PROBEMS THEY PUT HOLDS ON FUNDS TO MAKE MONEY OFF IT SO I CANT GET MY MONEY. I CALLED ALLY WAS TOLD BY CUSTMER SERVICE AS LONG AS I DONT HAVE XXXX TRANS ON SAVING I WOULD NOT BE CHARGED FOR COVING THE XXXX DOLLLARS FROM THE SAVING. MONDAY THE XXXX WAS THIER SO I PULLED IT TO MY ORTHER ACCOUNT KNOW TUESDAY THEY PUT A BLOCK ON THE ACCOUNT SO I CANT GET THE MONEY.AD THE TRAS I PUT THOUGHT WITH MY ORTHER BANK WILL OVER DRALL THE ACCOUNTAGAIN AND GET A NEW XXXX FEE. I REPORTED TO OCC CASE # XXXX AND THEY SENT TO FDIC CASE # XXXX THEY SAID TO REPORT THIS TO YOU THEY DONT KNOW WHAT OFFICE CONTROLLS ALLY BANK!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09-06-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with AFNI INC. (NE).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: ANFI has reported a collection item to the credit reporting agencies on me that is false. The collection is on a XXXX bill which I never incurred. I have never had XXXX. I disputed it but the agency will not remove it.

Company response to consumer: Closed with explanation
Consumer complaint received 09-07-2015 about Debt collection (I do not know) with ENCORE CAPITAL GROUP INC. (SC).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Midland Funding LLC, is inaccurately reporting information on all of my credit reports. I submitted a debt validation request to Midland after reviewing my credit report and I received paperwork from them to fill out for a fraud claim. They did not address the inaccurate reporting. A party who purchases a debt that is in default is not a creditor. Midland is not my creditor. I have attached a copy of mycredit report showing where MIdland has inserted multiple creditor tradelines into my credit reports. This reporting is frivolous and inaccurate. Also I attached a copy of the letter that XXXX Midland certified return receipt requested. 

Midland is not my creditor. I have not signed any contract to pay any monies to Midland. I have no payment history with Midland but they are supplying payment history to credit reporting agencies. 

Midland is not my creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 06-10-2017 about Credit card or prepaid card (Store credit card) with SYNCHRONY FINANCIAL (TX).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: I am writing to dispute a billing error in the amount of {$1600.00} on my account. Your company claims that payments that were due for the months of  XX/XX/XXXX and  XX/XX/XXXX  were unpaid. Collection fees were then added, which resulted in this disputed total. The amount is inaccurate because payments were, in fact, made for both of the aforementioned billing cycles.  <P/> This is a store credit card for Guitar Center. The account was owned by  XXXX   XXXX , from the time we opened the account on  XX/XX/XXXX  until it was transferred over to Synchrony in  XX/XX/XXXX . Payments were consistently made on time every month, even after Synchrony took over the account.  <P/> In  XX/XX/XXXX , I was contacted by Synchrony and told that my payment had not been received. After looking at my bank statement, I confirmed that the payment was received and taken out of my bank account for the same credit card account number that had been drafting my payments, even after  Synchrony had taken over the account. When I told a supervisor at Synchrony that I had proof of   payment, he told me to just pay it again, along with the late fees to make my account current. When I declined, I was told to check back the following week to see if they found the payment.  <P/> I called the following week, and a supervisor told me to fax proof of payment. I faxed proof on  XX/XX/XXXX . When I called to make sure it was received, I was told it was not. I called again the following month, and was told to fax it again, this time to  XXXX  different numbers. I faxed those on  XX/XX/XXXX , and was told once again that no one received my faxes. Frustrated with the fees that were accumulating and my fear that my payments would never be received, I asked if I could settle and pay off the account. I was told that I could not do this until my account was turned over to Synchronys collections department in 30 days. When I contacted them in 30 days, the debt had been sold to an outside collection agency that will not allow me to settle the debt without paying these unjust fees, and this false delinquency has been added to my credit 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 09/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NJ).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I am a victim of identity theft There has been a breach of my personal information as : Credit card accounts, multiple cell phone accounts, an installment loan, and credit inquiries have been placed on my credit reports and has ruined my reputation with certain businesses. 

XXXX is reporting information about two XXXX XXXX Accounts that simply not mine and are the result of identity theft. 

XXXX is reporting information about two XXXX XXXX Accounts that simply not mine and are the result of identity theft. 

Experian is reporting information about two XXXX XXXX Accounts that simply not mine and are the result of identity theft.

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 07/27/2017 about Debt collection (Credit card debt) with Financial Credit Service, Inc. (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint: ARA, INC. in XXXX XXXX, IL .... sent me a letter saying I owed {$610000.00} ... .on a credit card debt that was dismissed during a bankrupcty in a case that started in XXXX ... ..got a letter in the mail on XX/XX/XXXX ... said they were trying to contact me for years ... this was the first letter I have received ... The said they were going to sue me and get a judgement on everything I own and attach my wages ... .. I called them and they said they would accept {$3100.00}. I am XXXX years old and I do n't want to be sued ... .did n't realize at that point it was included in a bankruptcy that was filed in XXXX ... I paid {$300.00} to them upfront and said they would not sue me if I paid the balance in 10 days.. after that, I realized that it was included in a bankrupcty .... I called back and talked XXXX XXXX was screaming at me, said now the entire amount is due ... .she hung up on me ... I was just trying to determine what this was about ... I have copies of my bankrupcty papers ... which includes the XXXX XXXX credit card ...

Company response to consumer: Closed with explanation
Consumer complaint received 01/14/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: The following XXXX opened in XX/XX/XXXX and paid in full via debt collectors, several years ago, after the statute of limitation already allowed for this debt to be canceled, has all of the sudden been reported XX/XX/XXXX why now? 

Ive been working hard to improve my credit score and now this appears out of the blue to damage it. Doesnt it seem very suspicious? 

Thanks for your attention! 
This has been paid in full at least 5-10 years ago, unknowingly after the statute of limitations made it unnecessary, through a debt collector : XXXX XXXX Account Details Last Reported XX/XX/XXXX Creditor Name XXXX XXXX Account Type Credit Card Account Status Closed Opened Date XX/XX/XXXX Closed Date -- Limit {$4700.00} Term -- Monthly Payment {$5400.00} Responsibility Individual Account. 
Balance {$5400.00} Highest Balance {$6900.00} Payment Status Collection/Charge-Off Worst Payment Status -- Date of Last Payment XX/XX/XXXX Amount Past Due {$5100.00} Times 30/60/90 Days Late 1/1/3 Remarks Charged off account Account closed by credit grantor

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 12/28/2015 about Debt collection (Payday loan) with CNG FINANCIAL CORPORATION (MO).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: We are working with financial assistance programs. CHECK N GO keep calling my place of work my wife place of work XXXX cell phones everyday. They are informed that we working with the company have legal paper saying there company agreed to terms they are harassing us and our work place

Company response to consumer: Closed with explanation
Consumer complaint received 11/20/2016 about Consumer Loan (Vehicle lease) with ALLY FINANCIAL INC. (OH).
Issue: Taking out the loan or lease

Complaint: What Happened? 
I signed an Auto Lease with XXXX, Ohio, dated XX/XX/XXXX, that was instantly assigned to Ally Financial, the writer of the lease. The lease was a preprinted Ally SmartLease. At Lease End, Ally 's Appraiser allegedly appraised the vehicle and determined there was excessive wear and tear ( Paragraph 25 ) of {$290.00} because there was a large paint run and excessive bondo on the right front fender. PLEASE NOTE : The vehicle had not been painted and no bondo had been applied to the car. 
Per Paragraph 35 ( b ) Ally was required to sell the vehicle. No Sale Occurred. Instead Ally transferred the vehicle to another XXXX dealer using the bogus appraisal as the realized price. PLEASE NOTE : The car was driven 11,000 miles less than the lease provided and the new dealer marketed the car as " certified vehicle '' in excellent condition. I constantly, and continually, raised these issues during my 20+ phone contacts with Ally representatives. Despite my protests and denial of liability, Ally notified all three Credit Bureaus that I had incurred a bad debt. Ally 's actions were designed to damage my excellent credit score. Ally 's actions constitute blatant, intentional consumer fraud designed to extort money from me. These actions represent a continuation of Ally 's pattern and practice of consumer fraud. Note : Copy of Lease can be provided although it copies poorly ( blue carbon paper ).

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 08/31/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with AMERICAN EXPRESS COMPANY (NY).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint: In XXXX 2017 American Express did not explain policies with green card ... only being told there is no " credit limit '' ..when I asked the representative what would be my monthly charge? The representative said you only have to pay off what you spend..I then asked what if I 'm unable to pay it in full, will I be able to pay it monthly? The representative responded yes! You will only be charged {$27.00} late fee. I also asked will I be hounded? Will this effect my credit? The representative stated " only if you make absolutely no payments, which will have to happen constantly! " .... will in XX/XX/XXXX is was brought to my attention by repreated harassing phone calls stating I need to pay it all now!!! I would receive approximately 3calls a day. I finally spoke with a supervisor, after being told by a rude respresative " just pay your bill '', the supervisor apologized for being misinformed. He also assured that I would not have any issues moving forward. Within the same week both my American Express green card/ and regular American Express card were suspended ... I called to speak with another representative explained that both of your accounts are suspended due to none payment ... which was untrue ... paying over {$900.00} to both cards within a 2 month period. Also being charged late fees ... I requested to speak with someone in corporate ( with no call back to my several complaints and concerns ). Which has now resulted in a derogatory mark on my credit report!! Also to able to reactive my card I must pay {$780.00}, only {$410.00} is due ... my other card which has been paid nothing due

Company response to consumer: Closed with explanation
Consumer complaint received 03/30/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Bull City Financial Solutions, Inc (AR).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: The debt is and has always been my former spouses debt. It originated in XX/XX/XXXX, even by proof of the info that was sent to me by the debt collection agency. My former spouse even made a payment to the originating debtor in XX/XX/XXXX. My name is no where on the debt and is not connected to it at all. The insurance that was used was connected to my former spouses military benefits not mine. I have provided all of my spouses information to include his XXXX which shows his date of discharge from the military, XX/XX/XXXX as well as a copy of our divorce decree that states that all debts that were his prior to XX/XX/XXXX are and remain his solely. This debt continues to be reported on my credit report and has been since XX/XX/XXXX. It was removed however it still showed it as an account in collections under my name and is a derogatory mark on my credit. This needs to be removed as an account that was NEVER my account and done so across the board to ALL reporting agencies as an account that was not mine, belonged to my former spouse.

Company response to consumer: Closed with explanation
Consumer complaint received 09/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (VA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Equifax has faudulent and incorrect address information " XXXX XXXX XXXX XXXX XXXX , GA XXXX '' showing as one of my former addresses. This was a part of an identity scam in which my postal mail was forwarded to that address. I want that address removed as I never lived there.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11/23/2015 about Credit reporting () with Experian Information Solutions Inc. (PA).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: While checking my report I noticed that my ex-husband 's address appears. I have never lived at that address or have used it for any purpose. I would like it removed if possible. The address is XXXX XXXX XXXX XXXX Pa XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/25/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (MA).
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint: I have a XXXX dollar student loan debt that Im unable to pay right now and they left a error on my credit report on missed payments from XX/XX/2011 that was defferred cause I was unable to pay. I will like this issue to be resolved by gettting a better repayment plan without being charged interest and also fixing and taking out the XXXX missed payments from the XXXX credit beaureas from XX/XX/2011.

Company response to consumer: Closed with explanation
Consumer complaint received 09/29/2015 about Consumer Loan (Installment loan) with Bliksum, LLC (MO).
Issue: Taking out the loan or lease

Complaint: I 've received an unsolicited loan offer with an annual interest rate ranging from 99.75 % to 184.36 % from a company called LoanMe, Inc. based in XXXX, CA. ( License # XXXX )

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 12-12-2016 about Mortgage (Conventional fixed mortgage) with BAYVIEW LOAN SERVICING, LLC (TX).
Issue: Loan servicing, payments, escrow account

Complaint: On XX/XX/2016, I, with the help of an advocate from a non-profit organization, contacted Bayview Loan Servicing regarding an increase in my mortgage payment. We spoke to XXXX ( XXXX ) at Bayview, who advised that an escrow analysis had been completed and the shortage of {$560.00} had been divided over a 48 month period to keep my payment affordable at {$370.00}. I was concerned about an additional amount appearing on my statement of {$11.00}. The Bayview representative indicated that the fee was a remaining fee from when my modification was completed and that the {$11.00} did n't have to be repaid right away. XXXX indicated that the fee could be repaid at anytime in the future, that it was n't accruing any finance charges or additional fees. My advocate confirmed with the Bayview representative that as long as I paid {$370.00}, that I was paying my full monthly mortgage payment. XXXX confirmed this and indicated that anything over {$370.00} could be applied towards that {$11.00} outstanding fee as long as I indicated on the payment that any overpayment would be applied to the outstanding fee balance. 

On XX/XX/2016, I was concerned again about my monthly statement from Bayview. It appeared that nothing had changed with my payment and that another fee was assessed. My non-profit advocate assisted me with a call to Bayview again. We spoke to XXXX. He advised that my monthly payment amount is {$380.00} and that I was assessed a corporate advance fee of {$11.00} because the payment of {$370.00} that I sent to Bayview was not a full payment so instead of causing my loan to fall behind, Bayview advanced the shortage to make the full payment. Although I 'm thankful that my account was paid in full for XXXX and XXXX, I feel that I and my advocate were mislead when we contacted Bayview on XX/XX/2016. 

I 'm on a fixed income. I had to apply for a mortgage modification to get my loan back on track and avoid losing my home. I have no intentions of falling behind again and never want to be at risk of foreclosure again. I need for the mortgage company representatives to be forthcoming and accurate whenever I call to request information. If my advocate, whom I trust to ask the mortgage company the correct questions, felt mislead by the call to Bayview on XXXX XXXX, 2016, then I feel they could be misleading other consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 03/15/2016 about Credit reporting () with EQUIFAX, INC. (NM).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Equifax is not responding to my requests to investigate and remove accounts from my credit report that do not belong to me.

Company response to consumer: Closed with explanation