milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/20/2017 about Bank account or service (Checking account) with AMERICAN EXPRESS COMPANY (NV).
Issue: Deposits and withdrawals

Complaint: XXXX, Ca. XXXX XXXX station. I attempted to take a {$200.00} with from my checking acct thru american express. And on both attempts I was declined. Due to a error code XXXX. Well I went home and contacted amex and filed a dispute claim. Denied XXXX XXXX so XXXX XXXX XXXX. After speaking to global ATM company and told to have amex do charge back I filed another dispute. Well its now 10 days and still no resolve. I 'm a XXXX citizen on ssi and I need my money back. All the CSR 's at amex are rude incapable of helping. Can not understand them as they are not fluent in XXXX. And they hang up on you

Company response to consumer: Closed with explanation
Consumer complaint received 05-10-2017 about Payday loan, title loan, or personal loan (Title loan) with TFC Group, LLC (CA).
Issue: Charged fees or interest you didn't expect

Complaint: Trading Financial w ill not submit any payment history, statements, payoff letter or any of my requests for tangible copies to a title loan I got from them for {$5000.00}. I have made several attempts to call and email for this information and they do not respond.   In addition the payments I have made for the $  XXXX /month owed have been for $  XXXX  mos  and above. That was 22 months ago.  Three  months ago I asked over the phone what is my payoff balance and I was told " {$3800.00} ''. I requested payment history, provided an email address in which to send it to and got nothing.   Yesterday I called again, they said my account was in " recovery '' ... I explained I 've paid extra every month, where is the payment history that I never received? I asked what is today 's payoff balance? They said " {$5100.00}!!! '' I ca n't get an answer from these people as to why, what or anything and I have no idea if they are practicing legitimately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01-03-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with SECURITY FINANCE CORP (TX).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I have a personal loan with Security Finance in XXXX, TX. During my last renewal of the loan I asked XXXX, the representative who helped me with my renewal to place a note on my loan stating that they not call my phone during working hours ( XXXX - XXXX ) because that is my work phone and I can not take personal calls during the day. That did not stop their calls!! I have been a customer of Security Finance off and on for many years. I have always paid my loan payments. In the first week of XX/XX/2016 I notified the XXXX of the branch, XXXX, that I would not be able to make my payment until XX/XX/XXXX due to a job change and waiting on my State license for Mortgage Loan origination to be approved. The very next day I received a notice that Security Finance had made an inquiry on my credit report. I contacted the XXXX and she told me she was checking my credit to try and determine what was going on. I explained to her that she did not have a reasonable cause to pull my credit and that I was concerned that the inquiry would effect my pending license approval with the state. She told me she could pull my credit whenever she wanted. On XX/XX/XXXX spoke to XXXX XXXX XXXX XXXX XXXX XXXX and complained about the credit inquiry. She agreed that my credit should not have been pulled and would get the inquiry removed. I sent XXXX a message in writing that I should not be called before XXXX because the office was calling me at least 2 times a day on my work phone even though I had asked them not to. I asked her to please stop them from calling me during the day. Since that time XXXX, who works at the XXXX office has called me XXXX times during my working hours on my work phone. Some days I was called twice during XXXX day. She has even called my references even though they asked her not to call them. I called and left XXXX ( XXXX XXXX ) a message telling her about the calls and again asked her to tell the XXXX office to stop calling me. I intend to follow up this complaint with a lawsuit. This company has clearly violated the Fair Credit Debt Collections law. If needed I will gladly provide phone records and etc ... documenting phone calls and messages.

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 01/16/2017 about Debt collection (I do not know) with ProCollect, Inc (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Procollect calls me all the time. They must have the wrong number.. I do not know the person they are trying to reach I asked them to stop calling me but they have n't.

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 11/20/2017 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (VA).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint: On XXXX XXXX, 2017 I contacted Bank of America regarding debit card fraud on my account. My debit card and licenses were both lost and found or blantely stolen. The thefts were able to deposit three checks, one worth {$1000.00}, {$360.00}, and {$330.00}. Before this i only had {$620.00} in my account originally, the users withdrew all of what they deposited plus my {$620.00}. I contacted XXXX when i realized the activity on my account and reported fraud and for them to turn my card off immediately. They basically told me they could refund me about {$76.00} the following day for the minor chargers however for the larger charges It would take them some time to investigate so on so forth. They also told me they were sending me a new card. The following day they did credit {$76.00} into my account like promised. On Monday XXXX XXXX, my friend transferred {$490.00} into my account. I checked my online banking account and saw my account was in the negatives by {$390.00}. I contacted XXXX immediately to see what the issue was considering i dont have a card and I havent written any checks nor touched my account so I was confused. They essentially told me that those chargers were covering the fraud checks that were deposited into my account although I filed a claim against those on Friday in addition to whoever was handling my claim then, told me that the checks didnt even clear into my account and It would just take a few business days for them to refund my {$620.00}. Today they told me It would take 60 days and now my account stands at - {$1300.00} for checks that i did not write or authorize.

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 04/28/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Advantage Collection Professionals, Inc. (MN).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint: XXXX from Advantage Collection Professionals contacted me at my work. 
I asked her to not contact me at my work and leave a message on my personal number. 

She then contacted me again at my work and stated " I know you told me not to call you at work, but you did n't return my call. '' I told her again not to contact me at work and she said at this point I would be facing legal action. 

I told her I would contact my attorney in regards to her calling me at work when I asked her not to and said goodbye.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03-06-2016 about Debt collection (Medical) with Commonwealth Financial Systems, Inc. (TX).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: comapny will not provide me verification and validation of debt yet continue to report this on my credit report. This debt is not mine

Company response to consumer: Closed with explanation
Consumer complaint received 03/16/2016 about Credit reporting () with EQUIFAX, INC. (CT).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: I complained to Equifax that they were reporting that I closed an account with XXXX. I sent them written proof that XXXX closed the account, not me and asked them to delete the account because of the error. They responded that they had verified that the account belongs to me. This is obviously an improper response indicating that they did not really read my dispute or are just trying to skirt the real issue. Since they did not respond to my actual dispute within 30 days the account should be deleted. It 's like I disputed something about apples and they replied about bananas. Equifax does take consumer disputes seriously. They should be forced to comply with the law.

Company response to consumer: Closed with explanation
Consumer complaint received 06-05-2015 about Credit reporting () with EQUIFAX, INC. (NC).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: Equfax was a XXXX paid off XXXX on my file then score drop XXXX points WHY!!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 10/25/2016 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have contacted Experian several times before concerning the issue of removing items that do NOT belong to me. I have taken matters into my own hands and hired an attorney to pursue a lawsuit against your company if these issues are not removed immediately. I have a police report that identifies the accounts and inquiries in question and have the evidence of certified letters sent to both the creditors and your company. In the event you decide to remove the accounts and inquiries, we will not move forward with the case.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11/16/2017 about Mortgage (FHA mortgage) with NATIONSTAR MORTGAGE (MI).
Issue: Struggling to pay mortgage

Complaint: I filed for a modification they set me paper saying I was missing a few papers! They said papers were due by XX/XX/XXXX. I set them on XX/XX/XXXX I find out late on the XXXX they are selling my house from underneath me on the XXXX! No notifications no nothing of a sale date! How can they send papers with the XXXX date on it and the sell my house on the XXXX! This is not right!

Company response to consumer: Closed with explanation
Consumer complaint received 10/21/2016 about Debt collection (Credit card) with HSBC NORTH AMERICA HOLDINGS INC. (AL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: My complaint is that this company knowingly continues to provide unfavorable and harsh collection/reporting of my account to the consumer and XXXX major credit bureaus ( XXXX and XXXX Credit Reporting Agencies ) ; therefore, they are continuously violating both the Fair Debt Collection Practices Act ( FDCPA ) and The Fair Credit Reporting by misrepresenting the ( 1 ) amounts owed, ( 2 ) payment made ( 3 ) terms of account ( 4 ) fees ; thus, knowingly and purposefully reporting and providing ( a ) incomplete, inaccurate, unreliable and missing information ( b ) obsolete and outdated information that should no longer appear ( c ) information that possibly reveal medical information ( e ) incorrect notation in listing account as open when they are closed or accounts that a do not indicate " closed by me and not the creditors '' ( e ) incorrect payment status ( f ) more than XXXX delinquent date ( g ) wrong notation for closed accounts ( h ) failure to correct misrepresentation and accounts that have been remedied ( i ) refused to investigate the disputes before continuing to collections.

Company response to consumer: Closed with explanation
Consumer complaint received 02/28/2017 about Debt collection (I do not know) with Navient Solutions, LLC. (NY).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: I received a text from a friend that a debt collector, from Pioneer Credit Recovery Inc., XXXX at XXXX called him asking about 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 explanation
Consumer complaint received 01-06-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Southwest Credit Systems, L.P. (MD).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Southwest credit collection agency continues to report wrong information about me to the credit agencies even after it is determined that I am not the person there looking for, Ive disputed the issue multiple times sent my SS # and documentation. Ive spoke with a supervisor XXXX XXXX who said that Equifax and her company got my name mixed up with someone eles. Southwest reports information to the credit agencies without first contacting the consumer about the debt.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed
Consumer complaint received 01-04-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with H. Kent Hollins, Attorney at Law, P.A (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: This judgment was filed XX/XX/XXXX in XXXX County. I found out that the federal prohibits someone from collecting debt after ten years in the state of XXXX. The business alleged debt refers to XXXX XXXX XXXX, Doing business as LLC. They are out of business and also in the state of XXXX, which is out of the jurisdiction for them to collect from me without filing in the state of XXXX, where the debt originated and since the debt was not sold they are committing fraud. The collection agency that continues to try to collect the debt is a collection agency, which is in the state of XXXX and is the Attorney at Law P.A. Kent Hollins. They use a bogus account number that claims they have a XXXX County case Number registered through the court. I have contact the court about this issue and they have no Judgment listed under the number that the collection agency is using to collect the debt. They are attempting to continue to collect by a the letter sent by them, to persuade me to sign a form that they continuously keep sending, which states if I have a dispute to sign and request a court hearing. My Bank account has been garnished for the second time now and the first time they release the judgment because they found out through investigation that it was bogus and released funds back into my account. The collection agency came back again raising the amount from {$620.00} to {$740.00} on XX/XX/XXXX and then raised the amount XX/XX/XXXX to {$830.00}. I contacted them after speaking with the bank representative to resolve the issue by asking if I can settle out with them by giving them {$50.00} and they refused that offer and requested for more information and after that conversation I told them I would get an attorney and they told me to do this. Since the bank I bank with is a third party to parties that are trying to collect the debt, they are waiting on me to send them a letter and proof of this debt being fraudulent. I am sending my evidence to resolve this issue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have called several time to ask to have the inquiries removed and was told that they cant do that and that a creditor can pull my credit without my consent. I know that is not true and want the inquiries removed that I did not authorize.
Transunion advised that there were not inquiries, I attached the report showing them listed.

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 05/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XXXX   XXXX   XXXX  claims that I have  XXXX  charge off credit cards in the amounts of {$450.00} and {$940.00}. Disputed multiple times, they say they are verified without sending me validation of original paperwork with my signature in wet ink.

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 11-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: My personal information was stolen from Equifax. This is ridiculous and now I need to freeze my credit. I still have to pay for this. I do n't have any choice in using equifax with my report. My information is out there and is in danger of being used.

Company response to consumer: Closed with explanation
Consumer complaint received 09/21/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN).
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint: I was a victim of TransUnion 's " inquiry issue '' when they deleted all of my credit inquiries from my report and then - without proper notice and a disregard to legal procedure - simply re-added them all back on to my report without my knowledge. 

I called TransUnion and the overseas operator blew me off and told me there is nothing that they could do. 

I demand that the inquiries be removed as they had previously been. 

The inquiries are : Factual Data - XXXX Mortgage / Miscellaneous, Not Elsewhere Classified / XXXX/XXXX/XXXX XXXX / Mortgage / XXXX/XXXX/XXXX Factual Data - XXXX XXXX XXXX / Miscellaneous, Not Elsewhere Classified / XXXX/XXXX/XXXX XXXX XXXX / Mortgage / XXXX/XXXX/XXXX XXXX / Miscellaneous, Not Elsewhere Classified / XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX Banks XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX / Banks / XXXX/XXXX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/21/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
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: Dear Experian, I checked my personal credit report, which I acquired from your organization on XX/XX/XXXX and I noticed a fraudulent inquiry had been made on XX/XX/XXXX. 
I contacted XXXX XXXX XXXX BAN, who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. According to XXXX XXXX XXXX BAN, they could not verify that the information was being reported. 
I request that you initiate a reinvestigation into XXXX XXXX XXXX BANs ( XX/XX/XXXX ) inquiry on my credit report to determine who authorized the inquiry. If, once your reinvestigation is complete, you find my allegation to be true, please remove the fraudulent inquiry. DO NOT CONTACT ME VIA XXXX MAIL. CEASE AND DECIST FROM COMMUNICATING WITH ME VIA XXXX MAIL. 
Please note that although the inquiry shown on my credit report is a factual record of the company who accessed and reviewed my profile and although it is only logged on the report, when in fact, an inquiry was made ; a record of this activity, pursuant to federal law, must NOT remain a part of record if the inquiry was FRAUDULENT. 
If you find the inquiry referenced above to be valid, PLEASE RESPOND ONLY VIA THE CFPB PORTAL with a description of the procedures used in your reinvestigation for THIS SPECIFIC INQUIRY within XXXX business days of the completion of the reinvestigation. Thank you for your assistance in this matter. 

Very Respectfully, 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 03-08-2018 about Vehicle loan or lease (Loan) with ALLY FINANCIAL INC. (MI).
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint: Purchased a used car ( 2 yrs old ) with down payment and monthly payments of {$230.00}. About halfway through the loan, I made a payment of {$3500.00} and was told I didn't have a payment due, at that point, for over a year - approximately 15 months. The month after I paid the {$3500.00} ( that I thought included payment of the financing charges and principle ) I started paying {$150.00} for the next 7 months then lesser amounts of about {$80.00} for the next 3 months. 

Here is the issue, for all of the payments I made of {$150.00} and {$80.00} during the months that no payment was due, the bank still deducted finance charges from those payments. As stated above, the {$3500.00} payment covered 15 months of all charges, yet I was still charged finance charges on the additional payments. 

My question is were those finance charges on the lesser payments legal.

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 02/18/2016 about Credit card () with CITIBANK, N.A. (MD).
Issue: Billing disputes

Complaint: I purchased a refrigerator from Sears. The Sears sales representative made me aware of a two year no interest payment option by applying for and using a Sears credit card. I opened the credit card and made the purchase which included the refrigerator as well as a {$490.00} protection plan, which they assured me could be returned for a full refund. I decided to return the protection plan, which was fairly straightforward. The return was reflected on my account and I was pleased. Some time after this I noticed a charge of {$490.00} and then a refund of {$490.00} on the same day. Since the net effect was zero, I did not think too much of it. On my next statement I see that I am being charged interest on a non promotional balance of {$490.00}. From what I can tell they charged {$490.00} to a " non promotional balance '' and then refunded it from the promotional balance, which was the account that does not charge interest.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief