milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint: Equifax requires the following items to get a credit report and it discriminates against the elderly and retirees. 
Identity Requirements Social Security card Pay stub with Social Security Number XXXX form Address Requirements Driver 's license Rental or lease agreement/house deed Pay stub with address Utility bill ( gas, electric, water, cable, residential telephone bills ) I am retired and do not work and do not drive. I do not own a home or property or pay rent and can not meet the address requirements. I have banking accounts that I receive at the address I reside at.
I can not obtain a free credit report from them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: XXXX/XXXX/XXXX I paid XXXX XXXX XXXX XXXX {$240.00} satisfying this debt in full. I am no longer responsible for this debt that is being reported on my credit report as a collection. This debt does not belong to me and should not be reported to any credit bureaus as a collection account.

Company response to consumer: Closed with explanation
Consumer complaint received 12-12-2016 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: I am filing this complaint because Equifax has ignored my request to open investigation in regards to accounts listed on my credit report. Being that they have gone past the 30 day mark and confirmation shows they have received my dispute over XXXX days ago, under Section XXXX ( XXXX ) ( A ) of the FCRA XXXX they are required to " ... promptly delete all information which can not be verified '' that I have disputed. Please resolve this manner as soon as possible. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 02/17/2018 about Payday loan, title loan, or personal loan (Installment loan) with MIDCOUNTRY FINANCIAL CORP (AL).
Issue: Problem when making payments

Complaint: I informed the company XX/XX/XXXX to stop automatic payment, due to not having the available funds in my account due to on going legal actions and being a XXXX XXXX XXXX and XXXX XXXXe veteran not XX/XX/XXXX This company continue to draft my account causing multiple over draft charges to my account. 

I have the email letter that I sent to them. The repersentative from this company called me several time after I said I would call them back after speaking with my advisor. The person still called me back which I found to be harassment. The individual also called before XXXX and would not listen too me, talking over me so I told him by due my XXXX flaring up. 

Thanks XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12/30/2017 about Debt collection (Credit card debt) with Francy Law Firm, P.C. (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: The language on the XXXX XXXX XXXX is threatening. It states in part "a bench warrant "will" be issued for your arrest" which was highlighted in yellow marker. I cannot believe that XXXX XXXX XXXX Attorneys allow their collection attorney to use this kind of threatening language as a scare tactic to make someone pay considering the FDCPA "least sophisticated consumer" language should apply. This is a classic definition of a "least sophisticated consumer" This was originally a $XXXX  CC for an XXXX yr old kid when she opened her bank account. The debt now states she owes$XXXX.   She had tried to work out payment arrangements with XXXX XXXX. And was successful in making some of the payments but school, and job constraints made it difficult to keep current. This complaint is against BOTH XXXX  and FRANCY LAW FIRM XXXX XXXX XXXX Atty Reg# XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, CO XXXX  phone # XXXX- Case#XXXX There is scheduled for appearance hearing XXXXXX18.- Law Firms, Banks, Credit Union, et.,al. should not be allowed to use this or any kind of language that threatens a person with incarceration because of a money debt. This language caused a serious physical and emotional stress in XXXX XXXX because although she has a fulltime job she does not make enough money nor does she have the money in saved to pay the debt and she was fearful of going jail.  This scared her to death and know one should be scared that their freedom is going to be taken away because they have the inability to pay a debt.

Company response to consumer: Closed with explanation
Consumer complaint received 10-12-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: On XXXX XXXX, 2015, I wrote a letter to Enhanced Recovery requesting that the debt they say I owe be validated ; not disputed, but validated. I asked that their office provide me with competent evidence that I have any legal obligation to pay them. I requested that they send me the following items : What the money you say I owe is for ; provide a detailed list of any and all services or goods purchased and a line by line itemization of charges. 
Explain and show me how you calculated what you say I owe. 
Provide me with copies of any papers that show I agreed to pay what you say I owe. 
Provide a verification or copy of any judgment if applicable. 
Identify the original creditor. 
Prove the statute of limitations has not expired on this account. 
Show me that you are licensed to collect in my state. 
Provide me with your license numbers and registered agent. 

I demanded that they send me a deletion letter immediately if they could not provide me with competent evidence that I have any legal obligation to pay. 

Enhanced Recovery did not send me anything but a balance amount and a dispute letter. This is not what I requested from their company. If they can not validate this debt with evidence, I demand that this debt be removed from my credit report and a deletion letter be sent to me immediately. 

I have attached a copy of my letter I sent and a copy of their letter in response to me.

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 02/27/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (FL).
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint: Good morning, I have three accounts with Capital One and I HONESTLY, I forgot about the payment which was due on the XX/XX/XXXX. I put ALL bills on my calendar with alerts and somehow this payment fell off of my calendar. This is not a regular practice for me and I wanted the fees waived ( late fee/interest ), they were able to waive the late fee, however, they REFUSED to remove the interest charges of {$43.00} as a one time  courtesy. I know this is something they are able to do and I would like a one time courtesy and have this charge removed. 

The representatives were not very helpful and I've had better customer service at XXXX. Every response is not very clear and the supervisors they pretend to transfer you to are not really supervisors. I use to work in a customer center and I know the game. 

Thank you in advance for your assistance

Company response to consumer: Closed with monetary relief
Consumer complaint received 09/30/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Diversified Consultants, Inc. (CA).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: DIVERSIFIED CONSULTANTS, REGARDS TO XXXX ACCOUNT THEY ARE CALLING MY WORK, MY FATHER 'S CELL PHONE AND MY MOTHER 'S HOUSE PHONE. THEY DISCLOSED ALL THE INFORMATION WITH REGARDS TO THE DEBT WITH MY MOTHER AND FATHER. THEY ARE CALLING MY DAD AT WORK FROM THIS NUMBER XXXX. I ALREADY MADE PAYMENT ARRANGEMENTS WITH REGARDS TO THE DEBT. I DO NOT UNDERSTAND WHY THEY ARE STILL CONTACTING MY PARENTS, WHO HAVE NOTHING TO DO WITH THE DEBT. THEY ARE DISCLOSING SENSITIVE INFORMATION WITH OTHERS. MY FATHER JUST CALLED ME RIGHT NOW SAYING THAT THEY CALLED HIS NUMBER 4 TIMES ALREADY!! WHAT CAN I DO?

Company response to consumer: Closed with explanation
Consumer complaint received 11/20/2017 about Debt collection (Other debt) with Convergent Resources, Inc. (FL).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I was contacted by XXXX a collection agency re an alleged XXXX XXXX Debt. I disputed it via XXXX XXXX. XXXX never responded. It then appears that the debt was then sent to the 3rd collection agency XXXX. I then disputed the debt with their office within 30 days and requested they validate the debt with invoice and contract. They are reporting negative information to my credit bureau. They responded only with an invoice that does not detail the debt nor does it prove that I owe the money. There is no contract attached, and the 30 days has passed

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 09/29/2015 about Consumer Loan (Vehicle loan) with SANTANDER CONSUMER USA HOLDINGS INC. (MA).
Issue: Managing the loan or lease

Complaint: i financed a vehicle in XX/XX/XXXX it was totaled in a car accident the finance company put it as a collection charge off closed Derogatory XX/XX/XXXX the dealers insurance where i bought the vehicle was supposed to pay the gap payment that was left after my insurance company paid off the car and as it being put on my report as derogatory its the same as if it was repossesed and it wasnt it was paid now its ruining my credit score

Company response to consumer: Closed with explanation
Consumer complaint received 07-06-2016 about Consumer Loan (Vehicle lease) with FORD MOTOR CREDIT CO. (VA).
Issue: Managing the loan or lease

Complaint: The lease was overpaid by one month and I contacted Ford Credit to find out if I was to be reimbursed. I called both the dealership to which I returned the F-150 as well as Ford Credit on multiple occasions and was told that paperwork needed to be submitted by the dealership in order to process the lease termination. According to Ford Credit I could not be given a reimbursement for overpayment until the lease was finalized. I waited several months to receive any reimbursement. Last month I received a check from Ford Credit, minus {$75.00} for wear and tear costs. I had purchased {$3500.00} of wear and tear protection for the leased vehicle, which Ford Credit acknowledged was in my account information. However, they said that the dealership needed to sign paperwork for the wear and tear protection to be applied. Any time I speak to Ford Credit I am told I need to contact the dealership and when I speak to the dealership I am told I need to contact Ford Credit. Ford Credit does not seem capable of resolving issues or even providing useful information to the customer.

Company response to consumer: Closed with explanation
Consumer complaint received 05/18/2016 about Mortgage (Home equity loan or line of credit) with BANK OF AMERICA, NATIONAL ASSOCIATION (GA).
Issue: Loan servicing, payments, escrow account

Complaint: I paid off the balance on a Home Equity Loan and requested the account be left open. Bank of America closed the account and is now attempting to deduct a {$730.00} " Early Closure Fee '' from my checking account with them.

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 04/19/2018 about Debt collection (I do not know) with Convergent Resources, Inc. (GA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Every weekday, sinceXX/XX/XXXXuntilXX/XX/XXXXI have received persistent, aggressive calls and voicemails from XXXX I do not know who this caller is, or what they want. I do not answer unknown callers or their voicemails -- too many robo-scams out there. I have reported this number to XXXX, FCC, FTC, and the Do Not Call Registry ; I have put anti-spyware and call- blocking apps on my phone, bot the calls & voicemails still come thru. I added another call-block app on Monday, XX/XX/XXXX. It failed to block the call/voicemail ; but it showed the name : XXXX XXXX I " XXXX '' the name and found the address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  GA XXXX PLEASE STOP THESE PEOPLE FROM BOTHERING ME. I DO NOT KNOW WHO THEY ARE OR WHAT THEY WANT.

Thank you ever so kindly.

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 09/27/2017 about Debt collection (Other debt) with AFNI INC. (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: XXXX XXXX XXXX XXXX debt was paid in the form of monthly payments for a settled amount of {$310.00}. This settlement was approved and accepted by XXXX XXXX in XXXX XXXX. A total of 6 payments were made from XXXX through XXXX XXXX. I will not be paying anything with AFNI and I request this collection amount/item to be removed from all credit reports immediately. 

Original Acct number-XXXX Original balance- {$710.00}

Company response to consumer: Closed with explanation
Consumer complaint received 04/25/2017 about Debt collection (Other debt) with Colony Brands, Inc. (OH).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: Swiss Colony apparently sent product to an old home address and items were not received by me but were on my account. Items apparently never returned to Swiss Colony or forwarded to my new addres s.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02-10-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (WA).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint: I saw an advertisement online for an Experian credit report, with FICO score, for {$1.00}. The advertisement indicated I could cancel online at any time. When I went to try and cancel the account, I found there was no way to cancel online. With some difficulty I found an email address. I emailed Experian indicating they should cancel my account. I received no response. I called the phone number to use the automated service to cancel. They were closed, and the automated service was unavailable. Experian has deliberately made it difficult for consumer to cancel their services, while advertising erroneously that consumers can cancel easily online.

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 07/31/2017 about Credit card or prepaid card (General-purpose prepaid card) with Empowerment Ventures, LLC (MO).
Issue: Trouble using the card
Sub-issue: Trouble getting information about the card

Complaint: On XX/XX/XXXX I filed a dispute for charges on my RUSH CARD account that i did n't authorized ( XXXX $ ), RUSH CARD said they will issue me credit until the investigation was conducted. Then 4 days later on the XXXX RUSH CARD closed my account i asked could i open up another one, because all my direct deposit are sent to my account. A supervisor said YES, that all i would need to do was mail in proof of my address, Social security card & drivers ID ( all my personal information ) so i faxed & emailed all my personal information on XX/XX/XXXX@ XXXX. after talking to 3 people including a manager, supervisor & sales rep they said i could n't open up account. Since giving them my personal info things have popped up on my cerdit repot ( so someone is using my ss number from RUSH CARD ) i still dont have my MONEY.

Company response to consumer: Untimely response
Consumer complaint received 06/24/2015 about Money transfers (International money transfer) with MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (CA).
Issue: Fraud or scam

Complaint: to whom it may concern on the XX/XX/2015 i sent XXXX dollars cash through money gram at a Wal-mart store XXXX ca, XXXX and to come to find out that my money never got to the person I sent it to and i have kept in contact with Moneygram and I was told that it would take 10 days and then they told me 15 days and now the 15 days are up and now they are saying to wait another 15 days and I don't know what to do. please help.

Company response to consumer: Closed with monetary relief
Consumer complaint received 04/14/2017 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint: I submitted a dispute online through Experian in XXXX for late payments with XXXX XXXX. the dispute was resolved electronically as item remains the same. I then wrote a dispute letter directly to XXXX and received a response and letter stating the information they reported is wrong and they will update the late payments to current and paid as agreed. The letter was dated XXXX XXXX XXXX. I waited for the bearueas to be updated. XXXX and XXXX updated the account payments from late to current but not Experian. I called Experian today and spoke to XXXX and told him I received a letter for the corrections and that the updates needed to be done on my Experian report. He said I have to send a dispute and they handle it electronically. I advised him that I needed to send the letter to a physical person for them to verify the information so the late payments can be removed and he said no. he said I had to file another dispute. I told him that I do n't want an open dispute on my credit file and I had already disputed and received a response from XXXX. He refused to help me, He only gave me an address, I asked for a supervisor and he said for what because a supervisor wont help me and will tell me the same thing. I am not happy with the situation and I need this account to be updated and correted as the letter states from the lender. 
filing an electronic dispute will only yield a dispute comment placed on my credit file and will not fix the problem. Experian needs to accept the letter from the lender and verify the information just as if I were a mortgage company requesting a rapid rescore with valid documents. but instead I am treated like trash and my rights as a consumer have been violated. I asked for his complaint department and he said they wont do anything. I offered to send a copy of the letter for him to verify and he declined. he said it all had to be electronic. I would like a response and the XXXX XXXX late payments for XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX to be updated as current just like the letter shows it should be manually and not through filing another electronic dispute.

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 07-09-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Credit monitoring or identity protection
Sub-issue: Problem cancelling or closing account

Complaint: I have been unable to reach Trans Union to cancel my membership. They keep charging me {$17.00} a month because they do n't offer an option to cancel auto-pay, but you ca n't reach anyone by phone. 
The website provides only a toll free number to call, but you never get a live person. I have called the number posted on their website ( XXXX ) four times.The hold times ranged from 18 minutes to 43 minutes but I could never reach a representative. The " Click here to cancel '' link is broken, and they do n't provide a chat or email option. 
This seems like deceptive business practices.

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 11/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with SANTANDER CONSUMER USA HOLDINGS INC. (OH).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I went to XXXX of XXXX in Ohio. I was interested in a vehicle they had there. When it came down to buying a vehicle I told them to run my XXXX XXXX time to see if I could get approved if I could n't get approved from that one time pull then I was n't interested. So instead they sent it to 5 different companies to pull without my permission. I would like these taken of asap. I did n't authorize it.

Company response to consumer: Closed with explanation
Consumer complaint received 09/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (KS).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: On XXXX XXXX, XXXX at XXXX a.m. XXXX. I spoke with an attorney for XXXX XXXX from phone number XXXX. At that time, the attorney wanted to get the jist of my complaint to the Consumer Financial Protection Bureau. I advised the attorney that I did not recall the loan and that I had a live in fraud alert on my credit bureau because my former live in boyfriend had stolen my identify ( which I did not find out until months later ). I did not get to take advantage of these funds and after being threatened repeatedly with jail and repossession of my vehicle by their XXXX I paid the bill out of fear. 

Subsequently, the attorney under both the American Bar Association Regulations and Federal Statutes has a duty and an obligation to review the complaint. According to 15 U.S.C. 1681c-1 ( h ) ( 1 ) ( B ). & FCRA 605A ( h ) ( XXXX ) ( B ) Potential creditors must use reasonable policies and procedures to verify the identity of an applicant before issuing credit in the consumers name. 

In reviewing the loan documents XXXX XXXX referred over there was no proof of identity provided. No copy of my original signature or drivers license that would be the very least reasonable procedure instituted and is industry standard when faced with any consumer transaction, especially those involving identity theft. 

I have made attempts to resolve this with the company that at this point is destroying my credit and causing me to incur damages as a result of their refusal to comply with state and federal laws. I kindly request that the following item be deleted from my credit report as it is not mine. If XXXX XXXX continues to blatantly violate the law, I will be forced to seek civil damages and injunctive relief. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Creditor : XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX, UT 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